Credit Analyst, Business Banking

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    "description": "<p style=\"margin-bottom:11px;\"><span style=\"font-size:11pt;\"><span style=\"line-height:107%;\"><span style=\"font-family:Calibri, sans-serif;\"><span style=\"font-size:12pt;\"><span style=\"line-height:107%;\">Oakworth Capital Bank is expanding and has an excellent opportunity for someone to join our team in <b>Birmingham, AL</b>!   </span></span><span lang=\"en\" style=\"font-size:12pt;\" xml:lang=\"en\"><span style=\"line-height:107%;\">We are looking for a <u>full-time</u><b> Business Banking Credit Analyst</b> that </span></span><span style=\"font-size:12pt;\"><span style=\"line-height:107%;\"><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></span></span></span></p>\n\n<p style=\"margin-bottom:11px;\"><span style=\"font-size:11pt;\"><span style=\"line-height:normal;\"><span style=\"font-family:Calibri, sans-serif;\"><span style=\"font-size:12pt;\"><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 bank’s credit and risk departments. </span></span><span lang=\"en\" style=\"font-size:12pt;\" xml:lang=\"en\">An ideal candidate would meet the qualifications listed below, and more importantly, be able to demonstrate that they live by Oakworth Core Values (<b>G<i>olden Rule, Character, Innovative Spirit, Professionalism, Work Ethic</i></b>).</span></span></span></span></p>\n\n<p><span style=\"font-size:11pt;\"><span style=\"line-height:normal;\"><span><span style=\"font-family:Calibri, sans-serif;\"><b><span style=\"font-size:12pt;\">Key Roles/Responsibilities: </span></b></span></span></span></span></p>\n\n<ul>\n\t<li><span style=\"font-size:11pt;\"><span style=\"line-height:normal;\"><span><span style=\"font-family:Calibri, sans-serif;\"><span style=\"font-size:12pt;\">Underwrite small business loans, identify key issues, offer mitigants as needed, discuss with client advisors and team leads.</span></span></span></span></span></li>\n\t<li><span style=\"font-size:11pt;\"><span style=\"line-height:normal;\"><span><span style=\"font-family:Calibri, sans-serif;\"><span style=\"font-size:12pt;\">Assemble loan approval packages for review and be able to articulate an argument for or against. </span></span></span></span></span></li>\n\t<li><span style=\"font-size:11pt;\"><span style=\"line-height:normal;\"><span><span style=\"font-family:Calibri, sans-serif;\"><span style=\"font-size:12pt;\">Manage ongoing credit risk in existing loans via ongoing business financial analysis, construction monitoring, Loan Review or Examiner suggestions.</span></span></span></span></span></li>\n\t<li><span style=\"font-size:11pt;\"><span style=\"line-height:normal;\"><span><span style=\"font-family:Calibri, sans-serif;\"><span style=\"font-size:12pt;\">See that credit policies are adhered to, or point out deviations thereon with proper notices and approvals put to file.</span></span></span></span></span></li>\n\t<li><span style=\"font-size:11pt;\"><span style=\"line-height:normal;\"><span><span style=\"font-family:Calibri, sans-serif;\"><span style=\"font-size:12pt;\">Validate that the loan structure fits the credit opportunity.</span></span></span></span></span><br />\n\t </li>\n</ul>\n\n<p><span style=\"font-size:11pt;\"><span style=\"line-height:normal;\"><span><span style=\"font-family:Calibri, sans-serif;\"><span style=\"font-size:12pt;\">Responsibility Details:  </span></span></span></span></span></p>\n\n<ul>\n\t<li><span style=\"font-size:11pt;\"><span style=\"line-height:normal;\"><span><span style=\"font-family:Calibri, sans-serif;\"><span style=\"font-size:12pt;\">Underwrite small business loans for companies ranging from $1MM to $10MM in annual revenue.</span></span></span></span></span></li>\n\t<li><span style=\"font-size:11pt;\"><span style=\"line-height:normal;\"><span><span style=\"font-family:Calibri, sans-serif;\"><span style=\"font-size:12pt;\">Ability to analyze and interpret company prepared and audited financial statements, tax returns for individuals and small business clients. </span></span></span></span></span></li>\n\t<li><span style=\"font-size:11pt;\"><span style=\"line-height:normal;\"><span><span style=\"font-family:Calibri, sans-serif;\"><span style=\"font-size:12pt;\">Ensures consumer regulations are adhered to. </span></span></span></span></span></li>\n\t<li><span style=\"font-size:11pt;\"><span style=\"line-height:normal;\"><span><span style=\"font-family:Calibri, sans-serif;\"><span style=\"font-size:12pt;\">May visit or join calls with prospects and clients along with Client Advisors to gain deeper knowledge of creditworthiness. </span></span></span></span></span></li>\n\t<li><span style=\"font-size:11pt;\"><span style=\"line-height:normal;\"><span><span style=\"font-family:Calibri, sans-serif;\"><span style=\"font-size:12pt;\">Evaluates results of investigations, prepares reports of findings, and suggests credit limitations to commercial and private banking client advisors. </span></span></span></span></span></li>\n\t<li><span style=\"font-size:11pt;\"><span style=\"line-height:normal;\"><span><span style=\"font-family:Calibri, sans-serif;\"><span style=\"font-size:12pt;\">Provide backup support to Commercial Analysts when their pipeline exceeds capacity.</span></span></span></span></span></li>\n</ul>\n\n<p> </p>\n\n<p style=\"text-align:justify;margin-bottom:11px;\"><span style=\"font-size:11pt;\"><span style=\"line-height:107%;\"><span style=\"font-family:Calibri, sans-serif;\"><u><span style=\"font-size:12pt;\"><span style=\"line-height:107%;\">Successful candidates will have: </span></span></u></span></span></span></p>\n\n<ul>\n\t<li><span style=\"font-size:11pt;\"><span style=\"color:#000000;\"><span style=\"line-height:107%;\"><span style=\"font-family:Calibri, sans-serif;\"><span style=\"font-size:12pt;\"><span style=\"line-height:107%;\">Bachelor’s degree (B A.) or equivalent.</span></span></span></span></span></span></li>\n\t<li><span style=\"font-size:11pt;\"><span style=\"color:#000000;\"><span style=\"line-height:107%;\"><span style=\"font-family:Calibri, sans-serif;\"><span style=\"font-size:12pt;\"><span style=\"line-height:107%;\">Minimum of two (2) years of analyzing small business or commercial companies, including but not limited to financial statement analysis, collateral analysis and cash flow analysis.</span></span></span></span></span></span></li>\n\t<li><span style=\"font-size:11pt;\"><span style=\"color:#000000;\"><span style=\"line-height:107%;\"><span style=\"font-family:Calibri, sans-serif;\"><span style=\"font-size:12pt;\"><span style=\"line-height:107%;\">Ability to be flexible in order to be responsive to issues and problem solve.</span></span></span></span></span></span></li>\n\t<li><span style=\"font-size:11pt;\"><span style=\"color:#000000;\"><span style=\"line-height:107%;\"><span style=\"font-family:Calibri, sans-serif;\"><span style=\"font-size:12pt;\"><span style=\"line-height:107%;\">Excellent written and verbal communication to be able to professionally interact with associates.</span></span></span></span></span></span></li>\n\t<li><span style=\"font-size:11pt;\"><span style=\"color:#000000;\"><span style=\"line-height:107%;\"><span style=\"font-family:Calibri, sans-serif;\"><span style=\"font-size:12pt;\"><span style=\"line-height:107%;\">Ability to thrive in a team environment and collaborate well with other Credit Analysts &amp; Associates to meet all client needs and strategic objectives.</span></span></span></span></span></span></li>\n</ul>\n\n<p> </p>\n\n<p><span style=\"font-size:11pt;\"><span style=\"line-height:107%;\"><span style=\"font-family:Calibri, sans-serif;\"><span style=\"font-size:12pt;\"><span style=\"line-height:107%;\">Oakworth has been recognized by <i>American Banker</i> magazine as one of the “Best Banks to Work For” nine times, earning a spot on the list every year since the program began in 2013. Most recently, Oakworth ranked #2 nationally in both 2024 and 2025, after holding the #1 ranking six times in prior years. To learn more about our story and what truly sets Oakworth apart, visit </span></span><a href=\"https://www.oakworth.com/\" style=\"color:#0563c1;text-decoration:underline;\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"font-size:12pt;\"><span style=\"line-height:107%;\">https://www.oakworth.com/</span></span></a><span style=\"font-size:12pt;\"><span style=\"line-height:107%;\">.</span></span></span></span></span></p>",
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