Credit Analyst II

Employment Opportunity Announcement

Position: Commercial Credit Analyst II (full time)

Department: Main Office, One First Citizens Place, Dyersburg, TN
Position Description: The Commercial Credit Analyst II independently assesses moderate
and complex credit requests for presentation to Senior Commercial Lending and Executive staff.
Although working independently on credit assessment, the analyst will assist commercial lenders
with loan administration, legal documentation, cross-selling opportunities, call reporting, and
customer communication.
Job Responsibilities:

• Soundly apply the bank's credit culture and credit policies; is considered a policy expert
• Use independent judgment and critical thinking in the compilation of key financial

data for the accurate representation of credit risk in loan requests including global
cash flow analysis, collateral analysis, industry analysis, management analysis, and
overall repayment capacity

• Independently complete underwriting in accordance with current regulations,

• Accept credit requests directly from borrowers; make initial decision with regard to

• Recommend appropriate risk grade, supporting the grade with risks, mitigants, and

including seeking out and assisting in the annual review process, loan review

preparation, and in regulatory examinations; may manage said processes and

working with outside legal counsel to prepare and execute loan

documentation

• Participate in customer meetings; independently inspect properties; prepare

customer communication on behalf of the Commercial Lender; handle simple

loan closings for the Commercial Lender; work with customers in obtaining

updated financial statements

• Assist Commercial Lenders with presenting loan requests to approvers, Senior

Lenders, and Loan Committee as needed; attend and participate in other meetings;

may present credit requests on behalf of Commercial Lenders

• Obtain, analyze, and incorporate third-party borrower information (e.g., credit

reports); research inconsistencies

• Maintain data integrity
• Prepare pertinent reports, track financial information and receipt thereof
• Work with the Commercial Lender on classified assets and reporting thereof

• Maintain awareness of and adherence to Bank's compliance requirements and

risk management concepts, expectations, policies and procedures and apply

them to daily tasks

• Deliver a consistent, high level of service
• Other duties as assigned

Qualifications: Minimum years of specialization experience 2-4 Years; Bachelor’s degree in a

business field, preferably finance or accounting. Other concentrations will be considered with

at least five years relevant experience.

Basic Skills: Interpersonal/Customer Service Skills, Written and Verbal Communication,
Ability to understand and follow directions, Adaptable to change, Basic Computer Skills,

Leadership/Management Skills Ability to influence others, Ability to build collaborative

relationships, Ability to develop or mentor others, Ability to work as part of a team, Organizational

Skills/Detail Oriented, Analytical Thinking, Able to Multi-Task or Juggle Priorities,

Problem/Situation Analysis, and Technical Expertise

Working Conditions: Available to work as needed up to 40 hours per week (full time),
Monday thru Friday. Travel to customers and prospects is expected. This position must be

able to remain in a stationary position a maximum of 50% of the time, constantly operate a

computer up to 50% of the time and be able to be in constant communication with coworkers,

customers, or stakeholders to discuss and observe facts and data in order to exchange

accurate information. Eligible for insurance benefits, retirement plans (KSOP & Pension),

incentive plan, PTO and flexible work hours (Hybrid scheduled onsite hours). Team atmosphere.

EEO/AA/VETS/DISABILITY