Apply on Employer Site

Cadence Bank · 2 days ago

Credit Analyst I

Houston, MS

Full-time

Onsite

New Grad, Entry Level

Cadence Bank is seeking a Credit Analyst I to analyze and underwrite credit decisions for various lines of business within the bank. The role involves performing financial and statistical analysis to assess creditworthiness and compiling necessary documentation for review and approval.

Banking

Responsibilities

Obtains and analyzes pertinent financial and credit data to assist in determining the risk of the loan request(s)

Completes financial and repayment analysis with a focus on cash flow, liquidity and leverage analysis

Assesses strengths and weaknesses of loan requests

Ensures the following standard operating procedures are met when preparing analysis, reports, and presentations for management review: accurate historical financial statements; prudently prepared projections; and represents a clear focus on the merits, risks, and mitigation accordingly

Thoroughly documents the credit request in the appropriate format

Conducts research to determine the quality, character, and soundness to include but is not limited to: the analysis of basic statistical data & financial statements, sensitivity analysis, industry analysis, management assessment, guarantor analysis, etc

Assist senior team members and commercial bankers to screen loan packages and collect materials. Will need to interact with other departments within the bank such as Treasury Mgmt, Wealth Mgmt, Trust, etc. May also interact with customers and accountants

Strives to minimize turnaround time while thoroughly documenting credit requests

Participate in training courses as requested

Performs other duties as required

Qualification

Credit risk analysisUnderwriting principlesFinancial analysisMicrosoft OfficeInterpersonal skillsOral communicationWritten communicationLeadership experience

Required

Bachelor's Degree in Finance, Accounting or related discipline required

Minimum of 9 hours of accounting

3.0 or higher GPA

Strong technical and interpersonal skills

Demonstrated leadership through extracurricular activities and internship/work experience

Strong oral and written communication skills

Knowledge of credit risk analysis and underwriting principles, methods, and practices

Basic proficiency using Microsoft Office applications to include Word and Excel, as well as other database application systems

Company

Cadence Bank

Cadence Bank (NYSE: CADE) is a leading regional banking franchise with more than $50 billion in assets and over 350 branch locations across the South and Texas.

Founded in 1876