Senior Credit Analyst- Little Rock, AR

Southern Bancorp•Little Rock, AR

17h

About The Position

Responsible for contributing to the loan decision-making process and providing in-depth credit and financial analysis on new and existing clients. Prepares or oversees the preparation of detailed financial analysis to be used in conjunction with credit memorandums analyzing all credit parameters used in loan approval process. Assists with evaluation of procedures and special projects. This role is expected to demonstrate the following Supervisor leadership competencies: Empowering Leadership, Business and Financial Acumen, Information Decision Making and Problem Solving, Managing Talent, Strategic Execution and Direction, and Owning Results.

Requirements

Five years of experience in credit analysis with decision-making skills, and experience building and maintaining financial models required
Ability to manage multiple projects
Strong analytical and organizational skills
Ability to research and interpret financial information, aptitude in analyzing financial details, strong problem-solving skills, excellent written and verbal communication skills
Proficiency in Microsoft Word and Excel; MS Office programs, Financial Spreading Software
Bachelor's degree in Business, Finance, Accounting, or related field or equivalent combination of education and experience

Nice To Haves

Experience with commercial lending
Prior experience mentoring junior level-staff or supervisory experience

Responsibilities

Completes a thorough in-depth review and analyze credit, personal and business financial statements, personal and business tax returns, business formation documents, industry studies, and other applicable information. Makes recommendations tied to analysis and assessment of credit risk
Assists in producing accurate and timely loan presentations, clearly documenting financial results, repayment sources, collateral, strengths and weaknesses, and risk
Works with loan officers to anticipate, identify, and collect documents needed for efficient and timely approvals on new and existing credit
Reviews loan work-ups prepared by other analysts to drive output quality, department performance, and adequate enforceability of the Bank’s position for new and existing loans reviewed; Ability to coach and provide feedback to others
Serves as a senior resource and supervisor for the credit analyst team, offering guidance, mentoring, and support in complex credit analysis
Provides oversight of credit analyst work products, ensuring accuracy, policy adherences, and risk-aligned recommendations
Assists in training, developing and onboarding new credit analysts
Leads selected departmental reporting processes, including various memos and reports presented to Chief Credit Officer and Loan Committees
Assists with projects that will consist primarily of credit administration issues and may relate to possible changes in policies and procedures, group analysis, market studies, changes in compliance and regulations, monitoring of industry or borrower concentrations, risk assessments, and feasibility studies for efficiency and controls
Maintains a current knowledge of and comply with all applicable laws and regulations, policies, and procedures
May perform other responsibilities as assigned

Benefits

401(k)/Roth plan with immediate eligibility and employer match up to 6%
Employee stock ownership plan
Discounted rate on primary home mortgage
Credit and housing counseling as well as free financial education tools available to customers and employees
Two medical plans available – low-deductible PPO plan or HDHP with Health Savings Account
Dental and vision insurance
Employer paid life insurance, and short- and long-term disability coverage
Retirement plan with generous company match and employee stock purchase option
Voluntary life insurance options for employee, spouse, and children
Paid holidays and paid time off
Bonus plan
Opportunity for merit raises
Employee reward and recognition programs
Community service opportunities