Commerical Credit Analyst

Oakworth Capital Bank is expanding and has an excellent opportunity for someone to join our team in Charlotte, NC! We are looking for a fulltime Credit Analyst that will join the credit team and work in a collaborative environment to assess risk with any new or existing client & manage commercial credit risk.

We are looking for an analyst that will work well with other bank associates across all departments, is confident in their ability to think creatively and provide sound credit structure insight to client advisors and managers as well as provide support across all areas of the banks credit and risk departments. An ideal candidate would meet the qualifications listed below, and more importantly, be able to demonstrate that they live by Oakworth Core Values (Golden Rule, Character, Innovative Spirit, Professionalism, Work Ethic).

Key Roles/Responsibilities:

• Underwrite loan requests, identify key issues, offer mitigants as needed, discuss with client advisors and team leads.
• Assemble loan approval packages for review and be able to articulate an argument for or against.
• Manage ongoing credit risk in existing loans via construction project monitoring, industry reviews, Loan Review or Examiner suggestions.
• See that credit policies are adhered to, or point out deviations thereon with proper notices and approvals put to file.
• Assist loan operations with review of loan documents such that all loans are documented within the boundaries of their previously approved terms.

Responsibility Details:

• Complete credit packages of existing and potential commercial clients' financial condition, adding value to the client experience through unique, but prudent loan structuring, reviewing/understanding commercial real estate appraisals and the contents therein.
• Provide ongoing maintenance of a loan portfolio including, but not limited to ensuring financial information is up to date, testing of financial covenants, and aiding in the risk management of the banks asset-based credit facilities.
• Assist loan operations with review of loan documents pre-closing and assist client advisors in discussions with closing attorneys.
• Other duties may also include conducting industry and market research, developing forecasts and conducting a competitive landscape analysis in order to aid client advisors and bank management in decision making.

Successful candidates will have:

• Minimum of three (3) years of analyzing commercial and industrial companies, including but not limited to financial statement analysis, collateral analysis and cash flow analysis
• Ability to be flexible in order to be responsive to issues and problem solve
• Excellent written and verbal communication to be able to professionally interact with associates and clients
• Advanced knowledge and understanding of loan products, market pricing & structure trends, credit policies and procedures and federal regulations are desired
• Ability to thrive in a team environment and collaborate well with other Credit Analysts & Associates to meet all client needs and strategic objectives

Oakworth has been recognized as a Best Bank to Work For by American Banker Magazine for the last nine years, with six of those holding the top spot & ranking #2 in 2024 and 2025.  To learn more about our story and what makes Oakworth unique, visit https://www.oakworth.com/.

If you are interested in this excellent opportunity, please send your resume to brooke.kline@oakworth.com.  

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Proposed Equal Employment Opportunity

Oakworth is committed to a policy of equal employment opportunity for all associates and applicants in accordance with applicable federal, state, and local law.

Accommodations for Applicants

Accommodations are available upon request for applicants who may need support during the hiring process. If you would like to request an accommodation, please contact talent@oakworth.com and we will be glad to assist.