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Credit Analyst - Augusta Georgia
Company: GPAC Location: Augusta, Georgia
Posted On: 05/03/2024
A community bank is seeking a Credit Analyst to join its team. The Credit Analyst is responsible for conducting credit investigations by collecting, analyzing, and interpreting data and financial information to evaluate and mitigate credit risk and determine the appropriate credit risk rating on new and existing borrowers. This position collaborates and works closely with credit production and credit support to maximize borrower cash flow for debt retirement and manages credit facilities extended to borrowers. The role is a significant contributor to overall risk management through credit facility monitoring. - Responsible for the creation and accuracy of credit presentations as well as assuring risk rating classifications are factual, accurate, and consistent with the bank's risk rating system.
- Review credit packages for policy and regulation compliance and structural soundness, credit weakness, lien searches, and title work to assure appropriate equity and collateral positions; make corrective recommendations as needed.
- Investigate all available credit and financial information sources, including credit bureaus, other companies, vendors, other bank files, internet sources, social media, other banks, and overall community reputation.
- Accountable for monitoring the annual collection of required borrower financial and credit information.
- Verify the quality, completeness, and accuracy of all related credit facility documentation and assure appropriate loan covenants and terms are accurately stated in the appropriate documentation as well as verifying the appropriate perfection of collateral and bank security interests.
- Prepare appraisal requests, reviews, and real estate evaluations.
- Prepare summaries, present facts, offer professional risk-based opinions based on factual creditworthiness information, and prepare and present credit risk reviews as credit conditions dictate.
- Act as a resource for Market Presidents, Business Bankers, Credit Support Specialists, and Credit Support Assistants on all issues related to credit risk management and gather information for credit presentations and files.
- Abide by all policies, procedures, and regulations of the bank.Job Qualifications:
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