Credit Risk Analyst
About The Position
Oakworth Capital Bank has an excellent opportunity for someone to join our team in Birmingham, AL ! We are looking for a fulltime Credit Risk Analyst that will play a vital role in supporting our current & future clients. An ideal candidate would meet the qualifications listed below, and more importantly, be able to demonstrate that they live by Oakworth Core Values ( G olden Rule, Character, Innovative Spirit, Professionalism, Work Ethic ). Summary: This role will monitor the ongoing risk of existing credit relationships via ABL monitoring, annual reviews and covenant tracking, as well as various other supporting credit risk efforts.
Requirements
- Bachelor’s degree or equivalent; minimum of 1-3 years of credit or accounting experience.
- Ability to manage priorities and workflow with minimal guidance.
- Excellent communication skills including verbal and written communication.
- Team focused (collaborative, works well with others, supports team goals)
- Acute attention to detail.
- Proficiency in Microsoft Office suite is required.
Responsibilities
- Monitor risk of Asset Based Loans via analysis of borrowing bases, A/R and A/P agings, and financial trends.
- Perform annual reviews on relationships greater than $2 million, identify key issues, and offer mitigants, as needed.
- Track and monitor financial covenant compliance.
- Monitor LTVs of loans secured by OCB IMA accounts.
- Assist with other credit related tasks such as spreads, trade credit references, confirmations, etc.
- Monitor the Asset Based Lending (ABL) portfolio by analyzing borrowing bases, A/R agings, A/P agings, and financial trends; identify issues/concerns; discuss with client advisors and provide mitigants and recommendations, as needed.
- Track and monitor covenants to ensure compliance with loan approval parameters.
- Request information for annual reviews, write the review memo, identify trends and key issues, and offer mitigants or recommendations as needed.
- Monitor LTVs of loans secured by OCB IMA accounts and ensure all remain within the approved limit.
- Assist with other credit related activities such as spreads, trade credit references, mortgage verifications, etc.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
