Credit Analyst Manager - Verdae

Company: Southern First Bancshares
Location: Greenville
Posted on: May 3, 2021

Job Description:

POSITION SUMMARY

Support loan officers with credit analysis, spreading of financial statements, loan underwriting, preparation and evaluation of borrowers'/guarantors' global financial analysis, and annual financial reviews. Will work directly with members of Officers Loan Committee, individual Loan Officers, Administrative Assistants, as well as with external parties such as External Auditors, External Loan Review, and Regulators. Manage credit analysts in performing daily function.

ESSENTIAL RESPONSIBILITIES

• Supervise and provide leadership, coaching, guidance, training and development of credit analyst team.
• Support Loan Officers with credit analysis, loan underwriting & documentation
• Analyze financial data of prospective and existing credit relationships
• Assist Loan Officers with clearing exceptions, collecting and analyzing global financial data
• Analyze monthly aging reports on asset based loans
• Conduct analysis of Portfolio-related risk management issues, including stress testing
• Maintain list of top credit relationships in the Bank and ensure that annual reviews are completed
• Review loans to directors and officers of the Bank for compliance with Regulation O
• Train new team leaders and credit analysts on financial spreading, loan underwriting, and Bank procedures
• Assist with external audits, external loan review, and regulatory examinations
• Other duties as assigned

ADDITIONAL RESPONSIBILITIES OR DETAILS

ESSENTIAL SKILLS, EDUCATION AND EXPERIENCE

• Ability to organize work flow of various areas at one time.
• Ability to research legal, regulatory, and confidential issues
• Knowledge of banking terminology and procedures
• Knowledge of loan documentation and compliance regulations
• Excellent computer skills including Microsoft Office.
• Strong knowledge and experience with Microsoft Excel.
• Interpersonal skills to represent the Bank in a positive way in dealing with clients and other team members
• Ability to adjust to change and a willingness to be a team player
• Ability to work well with people
• Maintain regular consistent and professional attendance, punctuality and personal appearance
• Able to demonstrate high level of competency with administrative duties and written communication
• Ability to work independently and take initiative to exercise judgment and make decisions within scope of authority
• Ability to solve problems using combination of intuition and analytics
• Ability to think and act quickly and to follow procedures
• High School diploma required, College Degree preferred, with previous banking and/or financial experience
• Experience in a credit or real estate environment of 5+ years is preferable

WORK CONDITIONS

• This position must be able to sit for long periods of time at a desk and computer.
• Minimal travel required.

Keywords: Southern First Bancshares, Greenville , Credit Analyst Manager - Verdae, Other , Greenville, South Carolina