Summary

The primary responsibility of this position is to help maintain 22nd State Bank’s credit quality by preparing detailed credit analyses based on the review of financial data for new loans, loan extensions, loan modifications, and loan renewals.

Critical features of this job are described under the headings below. They may be subject to change at any time due to reasonable accommodation or other reasons.

Essential Duties and Responsibilities include the following. Other duties may be assigned.

• Embrace and adhere to the 22nd State Bank Essential Pieces of the Bank’s core values and company culture
• Provide exceptional customer service to both internal and external customers
• Obtain loan request information from lenders to analyze credit information, financial statements, and other information pertaining to the loan
• Spread financial statements into financial statement spreading software
• Conduct thorough analysis of financial statements and assessments of credit requests and provide credit recommendations to lenders and Loan Committees by preparing Credit Memorandums that clearly outline and express a reasoned opinion on key considerations in the recommendation
• Attend joint calls with lenders with potential and existing customers to help with obtaining information needed for the proper evaluation of a loan request
• Perform annual Credit Reviews pursuant to 22nd Bank Loan Policy
• Using the monthly “Loan Maturity Forecast” communicate with lenders on existing loans that are maturing and update Credit Analyst Team on any maturing loans which need to be renewed
• Participate as needed in the training of new Credit Analysts
• Prepare and present to lenders as needed monthly Credit Training topics

This job description reflects management's assignment of essential functions; it does not prescribe or restrict the tasks that may be assigned.

Supervisory Responsibilities

None

Competencies

To perform the job successfully, this position should demonstrate the following competencies:

Analytical - Collects and researches data.

Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions.

Oral Communication – Asks questions, and listens, to gets clarification.

Written Communication - Writes clearly and informatively.

Teamwork - Balances team and individual responsibilities.

Attendance/Punctuality - Is consistently at work and on time; Ensures work responsibilities are covered when absent.

Qualifications

To perform this job successfully, this position must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience

· Bachelor’s degree required; Business Administration, Accounting, or Finance preferred

· Two years’ experience as a Commercial Bank Credit Analyst

· Basic knowledge of financial statements and financial analysis

· Strong proficiency in Microsoft Office and general computer use

Language Skills

Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization.

Mathematical Skills

Ability to calculate figures and amounts such as discounts, interest, commissions, amortization, proportions and percentages. Ability to apply concepts of basic algebra.

Reasoning Ability

Ability to solve practical problems and deal 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.

Computer Skills

To perform this job successfully, this position should have knowledge of Internet software; Spreadsheet software, Word Processing software and knowledge of additional software as may be required.

Certificates, Licenses, Registrations as required by State of Alabama. Compliance courses as required by banking regulatory authorities.

Valid Driver’s License

Other Skills and Abilities

Present a good attention to detail while having the ability to meet deadlines and deal tactfully with customers.

Present the ability to understand financial institution policies and procedures.

Other Qualifications

Active Listening — Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, this position is frequently required to stand; walk; sit; use hands to finger, handle, or feel; reach with hands and arms; climb or balance; stoop, kneel, crouch, or crawl and talk or hear. The employee may lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision.

Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this Job, the employee is frequently exposed to outside weather conditions. The noise level in the work environment is usually moderate.

Work Hours

Most Credit Analysts work a standard 40-hour week, but many work longer, depending on the number of clients and the demand for loans. Work may involve travel. May involve frequently work away from the office and rely on laptop computers, cellular telephones, and other forms of communication to keep in contact with lenders and other internal customers.

Hours of work are primarily Monday through Friday, 8:00am to 5:00pm.

Each 22nd State Bank employee must comply with all federal and state regulations, policies, and procedures. This is to include all applicable governmental laws, rules and regulations relevant to their job including all Bank Secrecy Act regulations.

Job Type: Full-time

Pay: $53,699.00 - $56,759.00 per year

Benefits:

• 401(k)
• Dental insurance
• Health insurance
• Life insurance
• Paid time off
• Vision insurance

Schedule:

• 8 hour shift
• Monday to Friday

Ability to Relocate:

• Mobile, AL 36602: Relocate before starting work (Required)

Work Location: In person