Credit Risk Analyst I

Cadence Bank
United States, Mississippi, Tupelo
Jan 31, 2025
Description Position: Credit Risk Analyst Physical Location: 2778 West Jackson Street, Building C, Tupelo MS 38803 Reports To: Credit Risk Review Manager Working Conditions: Normal, no adverse or hazardous conditions Job Group Category: Exempt Primary Purpose: Review and approve CRE and C&I loan renewals, provide HVCRE qualification determination on new CAD loans and administration of the Rated Asset process. Specialists must have a broad understanding of commercial banking, financial statement analysis, loan underwriting, loan documentation and loan ratings. Principal Duties and Responsibilities: Review and approval of renewing CRE and C&I loans based on thresholds determined by management Review CAD loans based on thresholds to determine HVCRE qualifications Administration of the Rated Asset Meeting process Assist Credit Risk Review Manager as needed Job Specifications: Business, Banking, or Accounting Degree, or equivalent work experience Five years of commercial banking experience Demonstrated ability to understand business cash flows Proficient knowledge and current use of Microsoft Office, particularly Excel, Word, and Google Excellent communication skills, verbal and written Team player Proficient with bank's core system and Nettrax Preferred experience in Credit Analysis, Comm. Loan Underwriting, Loan Review or Lending Assistant Disclaimer The above information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. 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)