Commercial Credit Analyst

About Us:

First Southern National Bank is a community and relationship-driven bank serving twelve counties throughout Central and Western KY. Our home office is based in Stanford, with a population of 3,000. After celebrating our 40th anniversary, our passion for building a great company has never been stronger. We recognize that we have been given an opportunity to use our example, our influence, and our resources to help others make wise financial decisions, and our desire is to do just that.

Commercial Credit Analyst Position Summary:

The Credit Analyst will be responsible for evaluating the creditworthiness of loan applicants and providing insights to support sound lending decisions. This position will analyze financial information, assess risk, and communicate findings to assist in the underwriting process.

Key Responsibilities:

• Review, analyze, and report on financial statements, tax returns, and credit reports to assess the financial health of loan applicants.
• Evaluate cash flow, profitability, liquidity, and other financial metrics to determine credit risk.
• Assess the credit risk associated with loan applications and make recommendations based on thorough analysis.
• Incorporate industry-specific knowledge into risk assessments.
• Prepare detailed reports summarizing the analysis.
• Effectively communicate credit decisions and the rationale behind them to internal team members and management.
• Ensure compliance with internal policies and regulatory requirements.
• Other duties as assigned.

Qualifications:

• Bachelor’s degree in finance, accounting, business, or a related field is preferred but not required.
• Two to four years of experience in underwriting, lending, or credit analyst experience is preferred.
• Excellent written communication skills.
• Strong analytics and quantitative skills.
• In-depth knowledge of financial analysis, credit risk assessment, and lending principles.
• Attention to detail and the ability to work independently.

Equal Opportunity Employer - All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, or national origin.