Credit Analyst II

Since 1903, we’ve been putting people first by making a commitment to you. Simmons Bank is the subsidiary bank for Simmons First National Corporation (NASDAQ: SFNC), a publicly traded bank holding company headquartered in Pine Bluff, Arkansas. Founded as a community bank, Simmons Bank has grown steadily to its current size of $27 billion in assets (as of November 1, 2022), with more than 3,200 associates located in Arkansas, Kansas, Missouri, Oklahoma, Tennessee and Texas. Our growth has led to some amazing career opportunities, while our dynamic culture has been recognized by publications across our footprint. Parallel to our growth, Simmons Bank’s community roots run deep – these are felt in the ways we seek to go the extra mile for our customers and communities through exceptional service and volunteerism, and in the strong career growth opportunities and wellness programs we offer associates. Our team is characterized by collaboration, integrity and passion for all we do, high performance, and a commitment to personal and professional growth. If these cornerstones of company culture appeal to you, let’s talk! There’s never been a better time to join our team. It's fun to work in a company where people truly BELIEVE in what they're doing! We're committed to bringing passion and customer focus to the business. The Credit Analyst II provides analytical support for commercial banking including an independent analysis of creditworthiness of customers and prospects. The position analyzes current credit data, financial statements, and necessary due diligence data of individuals or companies to determine the degree of risk involved in extending credit or lending money. The Credit Analyst II prepares reports with the credit information for use in decision making of concurring approvers. Essential Duties and Responsibilities Responsible for preparing basis and comprehensive credit analyses on commercial loans that facilitates the credit approval process for use by loan officers or committees in the making of lending decisions regarding new, renewal, and extension loans. Thoroughly analyze commercial credits which exceed $1.5 million in total credit exposure to the Bank. Analyzes information statements and related material and prepares summaries and presents facts, and offers thoughts concerning credit-worthiness. Analyzes factors such as income growth, margins, trends, quality of management, market shares, potential risks of industry and collateral appraisals. Prepares credit and cash flow analyses; submits credit approval documents and write-ups to appropriate personnel for decision making. Monitors compliance with loan agreements. Provides support of loan officers and managers through financial statement spreading and analysis of new loan requests and existing credit relationships. Participates in deal discussion meetings between lending personnel, market managers and appropriate credit officers. Performs duties with supervision of Credit Manager, Director of Credit or Credit Analyst III which will provide opportunity to develop a thorough understanding of various types of lending facilities as well as a variety of companies and industries. Ensures all departmental documents and activities are performed in compliance with applicable laws, regulations, policies and procedures as applicable to this position, including completion of required compliance training. Performs other duties and responsibilities as assigned. Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Skills Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures or governmental regulations. Ability to write reports, business correspondence, and procedures manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. Ability to solve practical problems and deals with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form. Education and/or Experience BS/BA Degree in Business, Accounting, Finance or a related field is required, and 3-5 years’ work related experience and / or training preferred Computer Skills MS Office programs, Financial Spreading Software Other Qualifications (including physical requirements) Ability to manage multiple projects. Strong analytical and organizational skills. Excellent written and verbal communication skills. Proficiency in Microsoft Word and Excel. Equal Employment Opportunity Information: Simmons First National Corporation and its subsidiaries are committed to a policy of equal employment with respect to a person's race, color, religion, sex, ancestry, sexual orientation, gender identity, national origin, covered veterans, military status, physical or mental disability or any other legally protected classifications. Simmons First National Corporation and its subsidiaries are committed to Affirmative Action Programs consisting of results-oriented procedures to ensure equal employment opportunities. These programs require positive action in lieu of neutral non-discrimination and merit hiring/performance policies.

Salary : $27 - $0