What are the responsibilities and job description for the Credit Analyst- Hot Springs, AR position at Southern Bancorp?
Job Summary:
Responsible for the analytical work in regard to financial history and forecast for borrowers of Southern Bancorp with emphasis on all credit relationships over the aggregate debt of $250,000. This involves spreading financial statements, comparing to industry trends in order to evaluate the credit worthiness of the relationship and capacity to repay the entities or individuals debt. Credit Analyst works closely with lender to understand the financial capacity of the borrower in order for the lender to make an informed decision as to recommending the loan for approval or approving the loan.
Responsibilities:
- Conduct financial analysis of relationship of $250,000 and over
- Review matured loan resolution on relationships of $250,000 and over prior to maturity
- Review of credit memorandums on relationships of $250,000 and over prior to submission to head of lending
- Participate in a team effort to cross-sell bank and affiliate products and services.
- Performs other related duties as required or assigned
Qualifications:
Education, Experience, and Skill Requirements:
- High School diploma or equivalent is required.
- Two years secondary education and/or extensive experience in a banking environment.
- Regularly required to sit, to talk, and to hear. Specific vision abilities required by this job include close and color vision. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.
- Demonstrated proficiency in banking compliance issues is required along with computer literacy
- Ability to effectively communicate with employees and customers.
Preferred Qualifications:
- List any non-required qualifications (such as certification, advance/higher level degree, special skills, etc.)
What we offer our employees:
A positive impact on Your Future:
- 401(k)/Roth plan with immediate eligibility and employer match up to 6%
- Employee stock ownership plan
- 1% employee home loan
- Credit and housing counseling as well as free financial education tools available to customers and employees
Benefits to improve your health:
- No deductible medical insurance plan
- Dental and vision insurance
- Employer paid life and long term disability insurance
- Flexible Spending Accounts
The opportunity to nurture your well-being:
- Paid holidays for full-time staff
- Bonus plan for all full-time staff
- Opportunity for merit raises
- Employee reward and recognition programs
- Community service opportunities
Southern is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, age, sexual orientation, gender identity, gender expression, status as a protected veteran, among other things, or status as a qualified individual with disability.
As a Community Development Financial Institution, Southern Bancorp desires for its workforce to reflect the diversity of the customers and communities that we serve. Racial and ethnic minorities, people from working class backgrounds, women and LGBTQ people are often underrepresented in many financial service industry professions. Therefore, we strongly encourage applications from people with these identities or who are members of other marginalized communities.
