Commerical Credit Analyst

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    "description": "<p style=\"margin-left:0in;margin-right:0in;\"><span style=\"font-size:12px;\"><span style=\"font-family:Arial, Helvetica, sans-serif;\">Oakworth Capital Bank is expanding and has an excellent opportunity for someone to join our team in <strong>Birmingham, AL</strong>! We are looking for a <u>fulltime</u><strong> Credit Analyst</strong> that <span style=\"color:#000000;\">will join the credit team and work in a collaborative environment to assess risk with any new or existing client &amp; manage commercial credit risk. </span></span></span></p>\r\n\r\n<p style=\"margin-left:0in;margin-right:0in;\"><span style=\"font-size:12px;\"><span style=\"font-family:Arial, Helvetica, sans-serif;\"><span style=\"color:#000000;\">We are looking for an analyst that will work well with other bank associates across all departments, is confident in their ability to think creatively and provide sound credit structure insight to client advisors and managers as well as provide support across all areas of the banks credit and risk departments. </span>An ideal candidate would meet the qualifications listed below, and more importantly, be able to demonstrate that they live by Oakworth Core Values (<strong>G<em>olden Rule, Character, Innovative Spirit, Professionalism, Work Ethic</em></strong>).</span></span></p>\r\n\r\n<p style=\"margin-left:0in;margin-right:0in;\"><span style=\"font-size:12px;\"><span style=\"font-family:Arial, Helvetica, sans-serif;\"><strong>Key Roles/Responsibilities: </strong></span></span></p>\r\n\r\n<ul>\r\n\t<li><span style=\"font-size:12px;\"><span style=\"font-family:Arial, Helvetica, sans-serif;\">Underwrite loan requests, identify key issues, offer mitigants as needed, discuss with client advisors and team leads.</span></span></li>\r\n\t<li><span style=\"font-size:12px;\"><span style=\"font-family:Arial, Helvetica, sans-serif;\">Assemble loan approval packages for review and be able to articulate an argument for or against. </span></span></li>\r\n\t<li><span style=\"font-size:12px;\"><span style=\"font-family:Arial, Helvetica, sans-serif;\">Manage ongoing credit risk in existing loans via construction project monitoring, industry reviews, Loan Review or Examiner suggestions.</span></span></li>\r\n\t<li><span style=\"font-size:12px;\"><span style=\"font-family:Arial, Helvetica, sans-serif;\">See that credit policies are adhered to, or point out deviations thereon with proper notices and approvals put to file.</span></span></li>\r\n\t<li><span style=\"font-size:12px;\"><span style=\"font-family:Arial, Helvetica, sans-serif;\">Assist loan operations with review of loan documents such that all loans are documented within the boundaries of their previously approved terms.</span></span></li>\r\n</ul>\r\n\r\n<p style=\"margin-left:0in;margin-right:0in;\"><span style=\"font-size:12px;\"><span style=\"font-family:Arial, Helvetica, sans-serif;\"><strong>Responsibility Details:</strong> </span></span></p>\r\n\r\n<ul>\r\n\t<li style=\"text-align:justify;\"><span style=\"font-size:12px;\"><span style=\"font-family:Arial, Helvetica, sans-serif;\">Complete credit packages of existing and potential commercial clients' financial condition, adding value to the client experience through unique, but prudent loan structuring, reviewing/understanding commercial real estate appraisals and the contents therein.</span></span></li>\r\n\t<li style=\"text-align:justify;\"><span style=\"font-size:12px;\"><span style=\"font-family:Arial, Helvetica, sans-serif;\">Provide ongoing maintenance of a loan portfolio including, but not limited to ensuring financial information is up to date, testing of financial covenants, and aiding in the risk management of the banks asset-based credit facilities.</span></span></li>\r\n\t<li style=\"text-align:justify;\"><span style=\"font-size:12px;\"><span style=\"font-family:Arial, Helvetica, sans-serif;\">Assist loan operations with review of loan documents pre-closing and assist client advisors in discussions with closing attorneys. </span></span></li>\r\n\t<li style=\"text-align:justify;\"><span style=\"font-size:12px;\"><span style=\"font-family:Arial, Helvetica, sans-serif;\">Other duties may also include conducting industry and market research, developing forecasts and conducting a competitive landscape analysis in order to aid client advisors and bank management in decision making. </span></span></li>\r\n</ul>\r\n\r\n<p style=\"margin-left:0in;margin-right:0in;\"> </p>\r\n\r\n<p style=\"margin-left:0in;margin-right:0in;text-align:justify;\"><span style=\"font-size:12px;\"><span style=\"font-family:Arial, Helvetica, sans-serif;\"><u>Successful candidates will have: </u></span></span></p>\r\n\r\n<ul>\r\n\t<li style=\"text-align:justify;\"><span style=\"font-size:12px;\"><span style=\"font-family:Arial, Helvetica, sans-serif;\">Minimum of three (3) years of analyzing commercial and industrial companies, including but not limited to financial statement analysis, collateral analysis and cash flow analysis </span></span></li>\r\n\t<li style=\"text-align:justify;\"><span style=\"font-size:12px;\"><span style=\"font-family:Arial, Helvetica, sans-serif;\"><span style=\"color:#000000;\">Ability to be flexible in order to be responsive to issues and problem solve</span></span></span></li>\r\n\t<li style=\"text-align:justify;\"><span style=\"font-size:12px;\"><span style=\"font-family:Arial, Helvetica, sans-serif;\"><span style=\"color:#000000;\">Excellent written and verbal communication to be able to professionally interact with associates and clients</span></span></span></li>\r\n\t<li style=\"text-align:justify;\"><span style=\"font-size:12px;\"><span style=\"font-family:Arial, Helvetica, sans-serif;\"><span style=\"color:#000000;\">Advanced knowledge and understanding of loan products, market pricing &amp; structure trends, credit policies and procedures and federal regulations are desired</span></span></span></li>\r\n\t<li style=\"text-align:justify;\"><span style=\"font-size:12px;\"><span style=\"font-family:Arial, Helvetica, sans-serif;\"><span style=\"color:#000000;\">Ability to thrive in a team environment and collaborate well with other Credit Analysts &amp; Associates to meet all client needs and strategic objectives 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