Credit Analyst III - Gwinnett/Cobb

Company: Capital City Bank
Location: Cumming
Posted on: May 16, 2022

Job Description:

Credit Analyst III - More than your bank. Your BankerHours:Monday - Friday, 40 hoursGeneral Summary:Conducts credit investigations and analyzes credit information pertaining to loan opportunities that are more complex in nature. These credit investigations will generally be the largest exposures that the Bank will entertain and the Analyst will be responsible for presenting the loan at the Bank's weekly Credit Committee meeting. Provides assistance to Commercial Loan Officers and Senior Credit Underwriter in making credit decisions through preparation of financial spreadsheets and written analyses focusing on the borrower's historical and projected ability to service existing and any new debt. Make prudent loan decisions and approvals within established loan authority.All associates at Capital City Bank have access to confidential client information, and must practice discretion at all times.Principal Duties and Responsibilities:Spreads financial statements of commercial clients using Credit Quest software and prepares concisely written narrative, focusing on areas of profitability, liquidity, cash flow, industry stabilization and overall capacity to service debt.Conducts credit investigations and analyzes credit information pertaining to loan opportunities for the Bank.Performs critical financial analysis for Commercial Lenders and Senior Credit Underwriter for use in evaluating credit worthiness of potential borrowers.Assesses degree of risk for extending credits or lending money based on quantitative financial data and properly risk rate the credit being reviewed.Exercises prudent use of loan authority in decisioning credit requests.Assures loans meet Bank's underwriting standards and ensures risks have been tolerably and reasonably mitigated.Manages some of the Department's monitoring processes such as annual review of large credits and the collection and vetting of action plans.Manage, direct and communicate expectations of daily operations to direct reports, including responsibility for coaching, training courses, performance evaluations, and oversight of eTime, overtime, incentives and all other associate relation issues.Employer determines the essential functions of the job.All associates must understand and adhere to the non-negotiable Banker Standards and commit to practicing SGNNT at all times. Associates will consistently follow policies and procedures as established by Capital City Bank, with department managers setting the standard.Associated Duties:Provides additional support to manager and departmental colleagues.Completes all assigned/required Bank training within established timelines.Knowledge, Skills and Abilities (KSAs) Required:The following KSAs are usually acquired through college education with specialized business training course(s) and/or two to four years related experience:Demonstrated ability to perform thorough analysis of credit risks.Ability to model historical and projected financial data.Ability to successfully guide lenders to make sound credit decisions to minimize the Bank's potential loss.Thorough understanding of loan documentation.Excellent oral and written communication skills, including presentation to senior management and Credit Committee.Ability to effectively prioritize, work independently and as part of a team.Proficient in both Excel and Word software.Education:Bachelor's Degree in Business Administration, Real Estate, Finance, or Accounting from an accredited college required. Accounting experience preferred. Minimum of five to eight years underwriting and credit analysis experience required. Relevant experience may substitute for the education requirement.Working Conditions:Professional office environment.In the rare instance of a major or extensive natural disaster, epidemic or pandemic occurrence, or other disruption within our footprint, it may be necessary for associates to relocate or telecommute before, during or after, to ensure business continuity.EOE/Protected Veterans/Disabled/Drug FreeEqual Opportunity Employer/Protected Veterans/Individuals with DisabilitiesThe contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

Keywords: Capital City Bank, Roswell , Credit Analyst III - Gwinnett/Cobb, Professions , Cumming, Georgia