Commercial Credit Analyst jobs in Birmingham, AL
Commercial Credit Analyst collects, reviews, and analyzes data to prepare a detailed credit analysis that evaluates the terms and creditworthiness of commercial loan applications. Uses multiple sources of information, including financial statements, collateral appraisals, credit scores, and cash flow analysis, to assign risk ratings to loans and complete an analysis of the applicant's financial status. Being a Commercial Credit Analyst calculates debt-to-income (DTI) ratios to evaluate an applicant's ability to repay the loan. Prepares credit memos in a standardized format that includes key ratios, supporting information, an executive summary, and objective recommendations. Additionally, Commercial Credit Analyst presents credit reports to loan officers and loan committees. Requires a bachelor's degree. Typically reports to a supervisor or manager. The Commercial Credit Analyst work is closely managed. Works on projects/matters of limited complexity in a support role. To be a Commercial Credit Analyst typically requires 0-2 years of related experience. (Copyright 2024 Salary.com)
Recently Added Commercial Credit Analyst jobs
Ascentium Credit Analyst
- Regions
-
Birmingham, AL
FULL_TIME
-
Thank you for your interest in a career at Regions. At Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career --- a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed, then we are your employer of choice.
Regions is dedicated to taking appropriate steps to safeguard and protect private and personally identifiable information you submit. The information that you submit will be collected and reviewed by associates, consultants, and vendors of Regions in order to evaluate your qualifications and experience for job opportunities and will not be used for marketing purposes, sold, or shared outside of Regions unless required by law. Such information will be stored in accordance with regulatory requirements and in conjunction with Regions’ Retention Schedule for a minimum of three years. You may review, modify, or update your information by visiting and logging into the careers section of the system.
Job Description:
At Ascentium Capital, the Credit Analyst is responsible for evaluating commercial loan applications for new loan transactions as well as for processing annual loan reviews on existing borrowers.
Ascentium Capital, a division of Regions Bank, provides convenient access to financing for business equipment and technology and serves small organizations to Fortune 500 companies with programs that benefit manufacturers, distributors and direct to businesses nationwide. Our finance specialization covers several segments, including technology, healthcare, hospitality, franchise, commercial vehicles, and other markets. We strive to be the premier provider of customized finance programs that add value to our customers' businesses.
Primary Responsibilities
Reviews and analyzes credit information in order to make appropriate credit decisions within established policies and regulations
Initiates, completes, and submits accurate credit-related reports and documentation on a timely basis to accordance with established business processes and to assist the origination channels in achieving business goals and objectives
Orders and reviews loan documentation and researches any issues as needed
Gathers and maintains financial background information on present and prospective customers and develops credit studies for loan officers and committees as needed
Develops, implements, and maintains uniform credit policies and procedures to ensure consistency and enhance external and internal customer satisfaction
Works with the senior executives on all business opportunities and issues related to credit policies and credit decisions
Coordinates communication between the sales team, potential customers, and the review committee on credit, underwriting, and funding related issues
Works in conjunction with the appropriate managers and executives to support each business unit's performance goals and service standards
Works with either close supervision or under clearly defined procedures
This position is exempt from timekeeping requirements under the Fair Labor Standards Act and is not eligible for overtime pay.
This position is incentive eligible.
Requirements
Bachelor’s degree in Business Administration, Finance, or related field
One (1) year of experience in commercial/bank underwriting or related experience
Preferences
Experience with Fair Isaac credit models
Experience in formal bank underwriting training
Skills and Competencies
Ability to manage multiple priorities
Ability to learn additional systems as needed
Ability to research, analyze data, and derive facts
Ability to work in a team environment when applicable
Ability to work under pressure and meet deadlines
Proficiency in Microsoft Office (Excel, Word, PowerPoint, Outlook, etc.)
Strong attention to detail and proof-reading skills
Strong skills in calculating financial ratios
Strong understanding of personal and business credit reports
Strong verbal, written communication, and organizational skills
Strong work ethic and self-motivation
This opportunity may be filled at a higher level based on skills and qualifications
Position Type Full time
Compensation Details
Pay ranges are job specific and are provided as a point-of-market reference for compensation decisions. Other factors which directly impact pay for individual associates include: experience, skills, knowledge, contribution, job location and, most importantly, performance in the job role. As these factors vary by individuals, pay will also vary among individual associates within the same job.
The target information listed below is based on the Metropolitan Statistical Area Market Range for where the position is located and level of the position.
Job Range Target:
Minimum: $54,542.29 USD
Median: $84,859.50 USD
Incentive Pay Plans: This role is eligible to participate in a discretionary incentive plan. Employees have the potential to receive a discretionary award based on performance against defined metrics and goals.
Benefits Information
Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for benefits-eligible associates. Listed below is a synopsis of the benefits offered by Regions for informational purposes, which is not intended to be a complete summary of plan terms and conditions.
Paid Vacation/Sick Time
401K with Company Match
Medical, Dental and Vision Benefits
Disability Benefits
Health Savings Account
Flexible Spending Account
Life Insurance
Parental Leave
Employee Assistance Program
Associate Volunteer Program
Please note, benefits and plans may be changed, amended, or terminated with respect to all or any class of associate at any time. To learn more about Regions’ benefits, please click or copy the link below to your browser.
https://www.regions.com/welcometour/benefits.rf
Location Details Ascentium Kingwood
Location: Kingwood, Texas
Bring Your Whole Self to Work
We have a passion for creating an inclusive environment that promotes and values diversity of race, color, national origin, religion, age, sexual orientation, gender identity, disability, veteran status, genetic information, sex, pregnancy, and many other primary and secondary dimensions that make each of us unique as individuals and provide valuable perspective that makes us a better company and employer. More importantly, we recognize that creating a workplace where everyone, regardless of background, can do their best work is the right thing to do.
OFCCP Disclosure: Equal Opportunity Employer/Disabled/Veterans
Job applications at Regions are accepted electronically through our career site for a minimum of five business days from the date of posting. Job postings for higher-volume positions may remain active for longer than the minimum period due to business need and may be closed at any time thereafter at the discretion of the company. - 1 Month Ago
Commercial Asset Analyst
- PNC
-
Birmingham, AL
FULL_TIME
- Position OverviewAt PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work to...
- 6 Days Ago
Commercial Roofing Sales Representative - Birmingham, AL
- Eskola, LLC Commercial Roofing and Waterproofing
-
Pelham, AL
FULL_TIME
- Commercial Roofing Sales Representative Eskola, LLC – Birmingham, Alabama Visit Our Website: https://eskolaroofing.com/ $60,000.00 - $70,000.00 per year Commission Benefits Offered: Competitive salary...
- 21 Days Ago
Credit specialist
- Holt of California
-
Pleasant Grove, AL
FULL_TIME
- POSITION SUMMARY Maximize collection of accounts receivable while maintaining customer goodwill. QUALIFICATIONS REQUIREMENTS To perform this job successfully, an individual must be able to perform eac...
- Just Posted
Credit Manager
- Buddy's Home Furnishings
-
Bessemer, AL
FULL_TIME
- Position Summary The Credit Manager along with the Sales Manager are the second in charge at the individual branch location. The Credit Manager performs a wide variety of job functions at the directio...
- 14 Days Ago
Credit Underwriter
- Altec Careers
-
Birmingham, AL
FULL_TIME
- Responsibilities Altec Capital Services (ACS), a division of Altec, is hiring a Credit Underwriter in Birmingham, AL. This position analyzes and reviews credit risk and credit reports to accept or rej...
- 14 Days Ago
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0 Commercial Credit Analyst jobs found in Birmingham, AL area
Commercial Relationship Manager
- Citizens Trust Bank
-
Birmingham, AL
- Job Description Job Description Building relationships since 1921, Citizens Trust Bank is an institution built on a rich...
- 4/24/2024 12:00:00 AM
Audit Clerk (Hybrid)
- Avenu Insights & Analytics
-
Birmingham, AL
- Job Description Job Description Job Summary: Responsible for providing quality customer support for Clients and Taxpayer...
- 4/24/2024 12:00:00 AM
Auditor (Hybrid)
- Avenu Insights & Analytics
-
Birmingham, AL
- Job Description Job Description Job Summary: Conduct tax and regulatory reviews on behalf of clients. Perform various re...
- 4/24/2024 12:00:00 AM
Senior Accountant
- Birmingham City Schools
-
Birmingham, AL
- Classified - Position - Central Office - Accountant Job Number 2300286905 Start Date Open Date 04/18/2024 Closing Date D...
- 4/24/2024 12:00:00 AM
Bookkeeper
- Cronin & Company LLC
-
Birmingham, AL
- Job Description Job Description Our company is currently seeking a Bookkeeper to join our team! You will be responsible ...
- 4/24/2024 12:00:00 AM
Audit Clerk (Hybrid)
- Avenu Insights & Analytics
-
Birmingham, AL
- Job Description Job Description Job Summary: Responsible for providing quality customer support for Clients and Taxpayer...
- 4/23/2024 12:00:00 AM
Accounts Payables Clerk
- Pridestaff
-
Birmingham, AL
- Job Description Job Description PrideStaff has clients in the area searching for experienced, proven individuals to assi...
- 4/23/2024 12:00:00 AM
Specialist, CBO Accounts Receivable Insurance
- North American Credit Services
-
Birmingham, AL
- Job Description Job Description Full-Time AR Insurance Specialist (Remote Position) JOB REQUIREMENTS Ability to read, co...
- 4/22/2024 12:00:00 AM
About Birmingham, Alabama
Birmingham (/ˈbɜːrmɪŋhæm/ BUR-ming-ham) is a city located in the north central region of the U.S. state of Alabama. With an estimated 2017 population of 210,710, it is the most populous city in Alabama. Birmingham is the seat of Jefferson County, Alabama's most populous and fifth largest county. As of 2017, the Birmingham-Hoover Metropolitan Statistical Area had a population of 1,149,807, making it the most populous in Alabama and 49th-most populous in the United States. Birmingham serves as an important regional hub and is associated with the Deep South, Piedmont, and Appalachian regions ...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Commercial Credit Analyst jobs
$49,269 to $64,511
Birmingham, Alabama area prices
were up 1.3% from a year ago
were up 1.3% from a year ago
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