Commercial Credit Analyst Atlanta GA Remote

About the position Celebrating over 100 years in the community, Citizens Trust Bank remains committed to providing personalized service and financial solutions to meet the growing needs of our customers. We are committed to our institution's values of Integrity, Collaboration, Innovation, Service Excellence, Respect, Accountability, and Leadership all of which are needed to continue our mission of empowering generations for financial success. By joining our team, you can expect opportunities to enhance personal accomplishments as well as professional growth.

Responsibilities

• Researches and examines credit risks, assess credit history to determine credit worthiness of existing and potential bank customers

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• Manages a commercial loan portfolio which includes conducting reviews of existing relationships, renewal of maturing loans, cross sales banking solutions and conducts independent annual review of relationships greater than $500M

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• Makes recommendations for structure of commercial loan transactions and assist loan officers in writing loan request

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• Follows up with customers for additional financial/company/industry for inclusion into loan memorandum; contact customers to clear documentation exceptions

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• Assists with the development department procedures, policies, and processes.

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• Delivers exceptional customer services consistently to all business lines; maintains positive and productive working relationships with all internal and external customers.

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• Collaborates and cultivates effective relationships with all business lines for excellent results obtains and maintains insight into needs and opportunities to ensure that customer expectations are exceeded; creates and promotes a positive and supportive work environment

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• Uses good judgment and makes sound business decisions

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• Demonstrates personal accountability and maintains and handles all confidential, complex, and sensitive matters and information discretely and appropriately

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• Facilitates effective and efficient meetings and training sessions

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• Leads initiatives and projects, mitigates risks, adds value, and supports the Bank's vision, mission core values, business principles, goals, and objectives

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• Attends, assists, and participates on bank committees; attends, participates, promotes, and represents the Bank at business, professional, and community events, functions, meetings, organizations, associations, programs, and activities to support and broaden Bank's image and visibility and help increase business development and other related opportunities

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• Demonstrates consistent professional appearance, behavior, image, high level of integrity, ethics and consistent represents the CTB Brand

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• Manages other assigned functions and performs other duties and responsibilities as assigned

Requirements

• Minimum three years of credit analysis experience in a banking environment

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• Bachelor's degree in accounting, finance, economics, business administration, the management or related field

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• Strong knowledge and understanding of general banking regulations, laws, guidelines, and related procedures

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• Excellent analytical, technical, problem resolution, and negotiation skills with the ability to interpret financial reports and legal documents

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• Digital and technology-savvy; proficient in using advanced Microsoft Excel (formulas, graphing, pivot tables, etc.), Microsoft Office, FIS core system, etc.

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• Expert level is written and verbal communication and diplomacy skills with the ability to communicate clearly, concisely, persuasively, informatively, tactfully, and effectively work across all levels of the organization

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• Excellent quality customer service, telephone, and listening skills with a genuine interest in serving customers and the ability to collaborate and build good cross-functional business relationships

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• Ability to work independently in a fast-paced, high performance and changing environment, and must be able to adapt to change

Nice-to-haves

• Abrigo/Sageworks Experience a plus!

Benefits

• Medical, Dental, Vision, and Prescription

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• 401(k) Retirement Plan

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• Life Insurance

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• Accidental Death & Dismemberment

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• Short&/Long Term Disability

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• Flexible Spending Plan

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• Paid Time Off, Vacation, and Holiday Pay

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• Tuition Reimbursement

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• Employer Assisted Housing Program

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• Wholesale Membership Program

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• Wellness Program

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• Employee Assistant Referral Services (EAP)

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• Legal Shield Program

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• Group Cancer & Accident Insurance Programs

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• Worker's Compensation Program

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• Free Banking Services

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• Awards and Recognition Programs

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• Training & Development Programs and much more

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