Commercial Credit Analyst jobs in Montgomery, 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
Credit Analyst
- RelaDyne
-
Montgomery, AL
FULL_TIME
-
Job Title: Credit Analyst
About the Company : RelaDyne, Inc. is the established leader in lubricant sales, distribution, equipment reliability services, and value-added services. Our location is currently looking for a motivated Credit Analyst to join our growing team!
Job Type: Full-time
Associate Benefits:
401(k) w/ company match
Dental insurance
Disability insurance
Health insurance – no cost for employee-only plan!
Health savings account
Life insurance
Vision insurance
Paid sick time
Paid vacation time
So much more!
Job Objective: Accountable for the entire credit granting process, including the consistent application of a credit policy, periodic credit reviews of existing customers, and the assessment of the creditworthiness of potential customers, with the goal of optimizing the mix of company sales and bad debts losses.
Essential Duties and Responsibilities: In addition to the essential job functions described below, all associates will perform duties as requested by management. Assigned responsibilities and duties may vary based upon location size and operations.
Receivable Responsibilities :
Assist the branch AR Specialists in creating new customer accounts in the system, as needed
Respond to all Credit References that are requested for all branches
Manage the Credit App inbox for all branches to ensure all required paperwork is received and completed in its entirety in order to process for credit approval
Work daily with all branch sales reps, managers, CSR's, Branch and Regional Managers to establish
credit and terms for new customers
Analyze requests for credit and assign credit lines in accordance with established guidelines and authority up to $50,000 for all branches
Contact trade references and run Experian, TransUnion and D&B reports for credit application
approval
Identify and manage marginal/high risk established customer for determination of terms & credit limit changes
Maintain complete and accurate credit files and records of all accounts
Maintain credit application files, including tax forms, credit reports, and credit applications
Adhere to established credit policies and procedures and changes requested by management
Meet or exceed turnaround times on application approvals set forth by management
Maintain credit application log for status of applications from all branches
Assist in creation, communication, and training of new processes
Train and manage direct report to associates
Process Electronic Credit Applications
Request credit references for credit approval and follow-up accordingly, both by e mail and phone
Customer Relations Responsibilities:
Develop meaningful relations hips with customers by understanding their needs and manage interactions with a positive attitude
Maintain relationships with sales team and branches s specifically as it relates to the status of customer accounts
Establish and maintain positive relationship/communication with other departments and branches to enhance customer service and promote organic sales growth
Obtain and provide reference requests on customers
Other:
Represent the company in a professional manner at all times ensuring quality customer service
Abide by all policies, rules, and regulations of the company including all applicable safety rules, regulations and procedures
Support corporate programs, goals, and initiatives of the company
Travel as needed
Knowledge Skills and Abilities:
Leadership
Negotiating skills
Innovative
Customer service centric
Organizational skills
Communication skills (oral and written)
Ability to work with and analyze numbers
Ability to read and analyze financial statements
General compute r skills (Operating System and Microsoft office)
Problem solving skills
Sound judgement and decision-making skills
Interpersonal skills
Time management skills (ability to multi-task)
Desire to train others
Coaching skills
Able to initiate & embrace change
Preferred Experience:
Bachelors degree in Finance, Accounting or Business Management preferred, but not required
1 years credit experience
Compensation: 40k - 28 Days Ago
Financial Analyst
- Guardian Credit Union External
-
Montgomery, AL
FULL_TIME
- Assist in the preparation of various models and reports including, but not limited to, Asset/Liability Modeling, CECL Modeling, Income/Expense Analysis, budgeting, and forecasting. Input credit union ...
- Just Posted
2025 Internship- Farm Credit HBCU Initiative
- Alabama Ag Credit
-
Montgomery, AL
INTERN
- Company Profile: Alabama Ag Credit is a financial institution that provides financing for agriculture, agribusiness and rural real estate purchases and improvements. The institution is headquartered i...
- 1 Month Ago
Landscape Crew Member
- ALM Commercial Landscaping
-
Montgomery, AL
FULL_TIME
- ALM Commercial Landscaping is searching for Landscape Crew Members to perform a variety of lawn care maintenance services for our commercial and residential clients. Our Crews must have a valid driver...
- 16 Days Ago
Landscape Account Manager (FT)
- ALM Commercial Landscaping
-
Montgomery, AL
FULL_TIME
- ALM Commercial Landscaping is searching for a Landscape Account Manager to join its Montgomery, AL branch. This position will serve as a liaison between our customers and our operations teams. Reporti...
- 19 Days Ago
Landscape Crew Member (FT)
- ALM Commercial Landscaping
-
Montgomery, AL
FULL_TIME
- ALM Commercial Landscaping is searching for Landscape Crew Members to perform a variety of lawn care maintenance services for our commercial and residential clients. Our Crews must have a valid driver...
- 2 Days Ago
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0 Commercial Credit Analyst jobs found in Montgomery, AL area
Transportation Specialist - Direct Hire
- US Department of Transportation
-
Montgomery, AL
- Summary This position is responsible for oversight of transportation policies, programs or projects and providing techni...
- 4/24/2024 12:00:00 AM
Senior Billing Specialist
- Trustmark
-
Montgomery, AL
- Trustmark's mission is to improve wellbeing - for everyone. It is a mission grounded in a belief in equality and born fr...
- 4/24/2024 12:00:00 AM
Bookkeeper
- Bacheler Technologies
-
Montgomery, 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
ACCOUNTANT
- TOP TALENT RECRUITER
-
Montgomery, AL
- Job Description Job Description ACCOUNTANT MONTGOMERY, AL DO YOU HAVE NON-PROFIT / GRANTS MANAGEMENT EXPERIENCE? Employe...
- 4/23/2024 12:00:00 AM
TELECOMMUNICATIONS SPECIALIST (RADIO TECH) (T32)
- Army National Guard Units
-
Montgomery, AL
- Summary THIS IS A NATIONAL GUARD TITLE 32 EXCEPTED SERVICE POSITION. This National Guard position is for a TELECOMMUNICA...
- 4/22/2024 12:00:00 AM
Interdisciplinary Engineer / Architect (Mega Project Manager) GS-08XX-14
- Naval Facilities Engineering Systems Command (navfac)
-
Montgomery, AL
- OPEN TO ALL U.S CITIZENSJob Title/Series /Grade: Interdisciplinary Engineer / Architect (Mega Project Manager) GS-08XX-1...
- 4/22/2024 12:00:00 AM
AR/AP Coordinator
- Servpro - Restoration Personnel, Inc.
-
Montgomery, AL
- Job Description Job Description The AR/AP Coordinator will provide accounting and clerical support to the mitigation and...
- 4/22/2024 12:00:00 AM
Grievances & Appeals Representative
- Humana
-
Montgomery, AL
- Become a part of our caring community and help us put health first The G&A rep 3 investigates and resolves grievances an...
- 4/20/2024 12:00:00 AM
About Montgomery, Alabama
Montgomery is the capital city of the U.S. state of Alabama and the county seat of Montgomery County. Named for Richard Montgomery, it stands beside the Alabama River, on the coastal Plain of the Gulf of Mexico. In the 2010 Census, Montgomery's population was 205,764. It is the second most populous city in Alabama, after Birmingham, and is the 118th most populous in the United States. The Montgomery Metropolitan Statistical Area's population in 2010 was estimated at 374,536; it is the fourth largest in the state and 136th among United States metropolitan areas.
The city was incorporated in 18...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Commercial Credit Analyst jobs
$46,842 to $61,334
Montgomery, Alabama area prices
were up 1.3% from a year ago
were up 1.3% from a year ago
What does a Commercial Credit Analyst do?
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The Commercial Credit Analyst role within Hewlett Packard Enterprise Financial Services (HPEFS) supports the rapidly growing and Channel segment.
January 02, 2020
This individual will evaluate new and existing applications and decision the account based on assigned credit authority and risk appetite guidelines.
January 01, 2020