Credit Analyst II at PLANTERS BANK & TRUST CO

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Full Time

Start Date

Immediate

Expiry Date

29 Aug, 26

Salary

0.0

Posted On

31 May, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Analysis, Underwriting, Portfolio Monitoring, Financial Statement Analysis, Cash Flow Analysis, Debt Service Coverage Calculations, Microsoft Excel, Financial Spreading, Risk Assessment, Credit Memoranda Preparation, Accounting Principles, Problem Solving

Industry

Banking

Description

Job DetailsPosition Type: Full TimeEducation Level: 4 Year DegreeTravel Percentage: NoneJob Shift: Monday - FridayJob Category: BankingPlanters Bank & Trust Company Job Notice Planters Bank & Trust Company is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetic information, disability status, protected veteran status, or any other characteristic protected by law. Summary: The Credit Analyst II is responsible for performing detailed credit analysis, underwriting support, and portfolio monitoring for commercial loan relationships. This role focuses on business customers with aggregate exposure exceeding $1MM (inclusive of existing and proposed credit facilities), with increasing responsibility for more complex credits. The analyst prepares comprehensive financial analyses, evaluates repayment capacity, and contributes meaningfully to credit decision-making. All Planters Bank employees are required to: Live our core values at work each day with your Head, Heart, Hands and Feet. Maintain a strict standard of confidentiality involving all transactions. Deliver quality service to all customers. Possess a team-oriented attitude with a desire to see success in themselves and others. Develop a working knowledge of all bank products. **Please note- Nonqualified applications will not be considered for the position. Likewise, applications with false or incomplete information will also not be considered for the position. QualificationsEducation, Skills & Experience necessary and Equipment Skills: Resume required Bachelor’s degree in Finance, Accounting or Business or related field. 2–5 years of commercial credit analysis or related banking experience. Experience analyzing commercial loan relationships (preferably >$1MM exposure). Strong understanding of financial statements and accounting principles. Ability to perform cash flow analysis, including debt service coverage calculations. Strong attention to detail in order to maintain high standards of accuracy in financial analysis reporting. Strong analytical and problem-solving skills in order to demonstrate sound judgement in identifying credit strengths and weaknesses. Proficiency in Microsoft Excel and financial spreading systems (or ability to learn quickly). Ability to manage multiple priorities and meet deadlines. Strong verbal and written communication skills, especially in preparing credit memoranda and clearly articulating financial and risk concepts. Strong organizational and time-management skills to effectively handle a pipeline of credit requests and portfolio responsibilities Credit judgement skills with willingness to develop this skill and progress toward independent underwriting capability. Equipment: Computer keyboard and software, Microsoft Office, Telephone, Ten-Key Calculator. Satisfactory Credit Bureau and Background Report. Career Path & Growth Opportunities: This position represents an intermediate role in the credit function, with potential for progression opportunities. Physical Requirements: Frequency Weight/Pounds Sitting 85% Standing 5% Walking 5% Fine Manipulation of Hands 100% Lifting 1% 5 lbs Carrying 1% 5 lbs Bending/Squatting 1%

Responsibilities

The Credit Analyst II performs detailed credit analysis, underwriting support, and portfolio monitoring for commercial loan relationships exceeding $1MM. The role involves preparing comprehensive financial analyses and evaluating repayment capacity to support credit decision-making.