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Credit Analyst II - Metro

Company: Capital City Bank
Location: Tallahassee
Posted on: November 22, 2021

Job Description:

Credit Analyst II - More than your bank. Your Banker
"May be a Credit Analyst III based on experience, candidates must be within a 30 minute range of a CCB Office"
All new hires must provide proof of COVID-19 vaccination, in full, within the first 45 days of hire as a condition of employment, or submit to weekly testing and masking if unvaccinated. Accommodations are considered on a case-by-case basis through an interactive process and should be requested after receipt of a conditional offer of employment and prior to the start of employment. New hires who are granted an accommodation based on religious or medical reasons will be required to undergo weekly testing to screen for the presence of COVID-19 before being permitted to enter Capital City Bank Offices and/or perform work on behalf of Capital City Bank.
Hours:
Monday - Friday, 40 hours
General Summary:
Conducts credit investigations and analyzes credit information pertaining to loan opportunities that are more complex in nature. Provides assistance to Commercial Loan Officers and Senior Credit Underwriter in making credit decisions through preparation of financial spreadsheets and written analyses focusing on the borrower's historical and projected ability to service existing and any new debt. Make prudent loan decisions and approvals within established loan authority.
All associates at Capital City Bank have access to confidential client information, and must practice discretion at all times.
Principal Duties and Responsibilities:
Spreads financial statements of commercial clients using Credit Quest software and prepares concisely written narrative, focusing on areas of profitability, liquidity, cash flow, industry stabilization and overall capacity to service debt.
Conducts credit investigations and analyzes credit information pertaining to loan opportunities for the Bank.
Performs critical financial analysis for Commercial Lenders and Senior Credit Underwriter for use in evaluating credit worthiness of potential borrowers.
Assesses degree of risk for extending credits or lending money based on quantitative financial data and properly risk rate the credit being reviewed.
Exercises prudent use of loan authority in decisioning credit requests.
Assures loans meet Bank's underwriting standards and ensures risks have been tolerably and reasonably mitigated.
Employer determines the essential functions of the job.
All associates must understand and adhere to the non-negotiable Banker Standards and commit to practicing SGNNT at all times. Associates will consistently follow policies and procedures as established by Capital City Bank, with department managers setting the standard.
Associated Duties:
Provides additional support to manager and departmental colleagues.
Completes all assigned/required Bank training within established timelines.
Knowledge, Skills and Abilities (KSAs) Required:
The following KSAs are usually acquired through college education with specialized business training course(s) and/or two to four years related experience:
Demonstrated ability to perform thorough analysis of credit risks.
Ability to model historical and projected financial data.
Ability to successfully guide lenders to make sound credit decisions to minimize the Bank's potential loss.
Thorough understanding of loan documentation.
Excellent oral and written communication skills, including presentation to senior management and Credit Committee.
Ability to effectively prioritize, work independently and as part of a team.
Proficient in both Excel and Word software.
Education:
Bachelor's Degree in Business Administration, Real Estate, Finance, or Accounting from an accredited college required. Accounting experience preferred. Minimum of three to five years underwriting and credit analysis experience required. Relevant experience may substitute for the education requirement.
Working Conditions:
Professional office environment.
In the rare instance of a major or extensive natural disaster, epidemic or pandemic occurrence, or other disruption within our footprint, it may be necessary for associates to relocate or telecommute before, during or after, to ensure business continuity.
EOE/Protected Veterans/Disabled/Drug Free

Experience Required Please indicate your work experience.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

Keywords: Capital City Bank, Tallahassee , Credit Analyst II - Metro, Professions , Tallahassee, Florida

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