This Position is for a Credit Analyst I with a bank location in Ridgeland, MS.

Summary: The Credit Analyst ensures a high level of credit quality by providing a wide range of underwriting support, including financial and credit analysis services to banking center loan officers. This position is an entry level Credit Analyst.

Duties and Responsibilities include: Maintains daily departmental work log for credit analysis requests submitted by lenders; Evaluates quality of borrower and guarantor financial information obtained by loan officers and submitted for analysis to determine overall adequacy and accuracy of information; Prepares spreads of financial statement information obtained to determine need for additional clarification and depth of analysis required; Performs comprehensive review and analysis of all financial and credit information related to borrowers and guarantors; Communicates analysis questions and/or underwriting concerns to Lenders, Senior Analysts and/or Credit Analysis Department Manager in a prompt manner; Prepares written summary of global analysis (credit memo) to be used by lenders in making credit decisions; Provides lenders with current industry information and other reports using available third-party resources; Creates customized analysis reports, when requested; Stays informed of current bank credit policies and procedures; Stays informed of current practices in loan underwriting, accounting, economics and credit analysis; Communicates and interacts in a professional manner with internal customers (i.e.  Loan Officers and Assistants, Compliance, Loan Review, Loan Operations, etc.) via telephone, e-mail, and/or in person; Maintains a thorough knowledge of Bank products, services, policies, procedures and appropriate regulatory issues as related to daily job functions including but not limited to: Bank Secrecy Act; Privacy Act; Fair Lending Act; Regulation E, etc.; Completes required compliance training and adheres to the Bank's standard of conduct; Participates in the bank's High-Performance Rewards Connections program; Makes referrals to the Mortgage Center and Wealth Management; Performs other duties as assigned.

Requirements and Qualifications include: Minimum of a bachelors degree from a nationally accredited business school (preferably AACSB) with a major in accounting or other business-related major with a minor in accounting, preferred; Particular areas of experience required: the ability to work well in a team environment, follow policies and procedures, handle multiple responsibilities, think creatively to solve fairly complex problems, and be detail-oriented, organized, and accurate; General computer and typing experience with Microsoft Office Suite, to include Excel, Word, and Outlook; Excellent verbal and written communication skills; Extensive reading as needed; Ability to make difficult decisions and handle multiple tasks; Must pass a background check to include pre-employment substance abuse testing.

EOE/M/F/Vet/Disabled (VEVRAA Federal Contractor)