Credit Analysis Manager

Job Description

CREDIT ANALYSIS MANAGER

Location:

Ridgeland

Department:

Central Credit

Reports to:

VP, Credit Administration

Positions Supervised :

Credit Analysts

Employee Classification:

☐ Temporary ☒ Regular Full Time ☐ Part-Time

FLSA Status:

☐ Non-Exempt ☒ Salary ☐ Hourly ☐ Exempt ☐ Commission

Position Summary:

The Credit Analysis Manager is responsible for managing the credit analyst team and overseeing the end-to-end credit analysis process to accurately measure, analyze, and communicate risk exposure within the loan portfolio. This role emphasizes gathering and synthesizing data from multiple systems to produce high-quality analysis and reporting that supports effective, timely, and informed management decisions. The Credit Analysis Manager supervises daily departmental operations, ensures workflow efficiency, and upholds work quality standards in adherence to bank policy and guidance. Success in this position depends on the ability to train and develop analysts, ensure accuracy and timeliness of deliverables, and collaborate cross-functionally with management and departments throughout the organization to continuously refine and strengthen the credit analysis process.

Essential Functions-Primary Responsibilities and Accountabilities (90%):

Reasonable Accommodations Statement

To accomplish this job successfully, an individual must be able to perform, with or without reasonable accommodation, each essential function satisfactorily. Reasonable accommodation can be provided to help enable qualified individuals with disabilities to perform the essential functions.

Essential Task Statement(s)

Branch Credit/Ownership (80%)

• Supervise the credit analyst team, including managing workflow, assigning tasks, and providing ongoing training and development for analysts and management trainees.
• Oversee and, as needed, perform the spreading of financial statements and tax returns in accordance with safe and sound accounting practices using approved financial spreading software.
• Review analysts' work product to ensure financial analysis is thorough, accurate, timely, and compliant with bank policy and regulatory guidance.
• Conduct and oversee comprehensive credit analysis for existing and prospective customers and portfolios, including gathering, analyzing, and interpreting financial and credit information.
• Analyze financial statements and tax returns, including balance sheets, income statements, cash flow, and key components, and calculate relevant financial ratios (e.g., current ratio, EBITDA, debt service coverage, leverage ratios).
• Prepare clear, well-written credit memoranda and financial analysis presentations that provide a reliable basis for credit approval decisions.
• Perform credit analysis on complex or higher-risk requests and assist with analysis during periods of elevated volume.
• Perform extensive data mining and analysis using multiple internal systems and external sources.
• Develop, maintain, and update forecasting models and related analytical tools for senior management and portfolio monitoring.
• Collaborate with management and cross-functional partners, including portfolio managers, relationship managers, and credit approval authorities, to deliver high-quality final work product.
• Recommend and support process design enhancements and continuous improvement initiatives to strengthen the credit analysis function.
• Stay current on financial analysis best practices by coordinating with financial spreading software providers, attending workshops, seminars, and ongoing training opportunities. The position may be called upon for additional duties and responsibilities as may be assigned by supervisor.
• Ensure bank is in compliance with federal banking regulations including, but not limited to Bank Secrecy Act, OFAC, Community Reinvestment Act, American with Disabilities Act, Right to Financial Privacy Act, Gramm-Leach-Bliley Act, the Federal Reserve's "lettered" regulations, and Education and Development Specialist roles and responsibilities relating to each act.

Customer Service (10%)

• Represent Guaranty Bank & Trust Company professionally, efficiently, and tactfully
• Ensure continuing development of professional relationships with management and colleagues.
• Follow all bank policies and procedures
• Perform additional duties as assigned by management

Additional Functions-Secondary Responsibilities and Accountabilities (10%)

Additional Task Statement(s)

• Strong accounting knowledge with excellent Excel and advanced financial modeling skills.
• Ability to analyze and work effectively with large, complex data sets.
• Superior problem-solving skills with a high level of attention to detail and accuracy.
• Highly organized, flexible, and able to multitask in a fast-paced environment.
• Ability to work independently as well as collaboratively within a team environment.
• Strong written and verbal communication skills, with the ability to communicate effectively with lending staff and senior management.
• Intermediate to advanced proficiency in Microsoft Office applications.
• Creative, self-motivated, and capable of managing responsibilities with minimal supervision.
• Demonstrated ability to follow all bank policies and procedures.
• Willingness and ability to perform additional duties as assigned.

Position Qualifications

Education: Required - Bachelor's degree in accounting, finance, business, or related field.

Preferred - Master's degree in a relevant field (e.g., MBA, Accounting) or professional designation such as CPA. Equivalent experience may be considered.

Experience: Required - 5 years of experience in related field.

Preferred - 10 years of experience in related area

Licenses and

Certifications: Required - None

Preferred - None

Position Requirements

Competency Statement(s)

• Accountability (core value) - Always do what we say and hold one another accountable.
• Accuracy - Thorough with strict attention to detail; does work right the first time; identifies and corrects errors; produces complete and error free work.
• Active Listening - Gives full attention to what others are saying, attentive to others' ideas and concerns; asks questions to clarify understanding.
• Conceptual Thinking - Notices similarities between different and apparently unrelated situations.
• Confidentiality (Core Value) - Always maintains strict confidentiality .
• Community Development (Core Value) - Always committed to community development.
• Critical Thinking - Apply rules and logic to situations; considers factors beyond the initial information given.
• Data entry - Proficient alpha/numeric data entry skills.
• Detail oriented - Concentrates on routing work details; carefully monitors and examines one's own and others' work; ensures accuracy in documentation and data.
• Ethical Conduct - Conducts oneself consistently with sound banking practices and standards, upholding the values of Guaranty Bank.
• Integrity (Core Value) - Always act with integrity and honesty.
• Respect (Core Value) - Always treats others with respect.

Physical Requirements:

Physical requirements needed to perform the above essential duties, with or without reasonable accommodation, may be requested from Human Resources.

Frequency

Lbs.

Sitting

90%

Standing

5%

Walking

5%

Fine Manipulation of hands

85%

Lifting

Daily

10 lbs.

Carrying

Daily

10 lbs.

Pushing/Pulling

Seldom

Bending/Squatting

Rarely

Reaching/Overhead

Occasional

Stress Level

Very High at times

General notice: The bank has reviewed the job description to ensure the essential functions and basic duties are current. This job description describes the general nature and level of work performed by the employee holding this position. It provides guidelines for the job expectations and the knowledge, skills, and abilities necessary to perform successfully in this position. This job description in no way states or implies that these are the only duties to be performed. Additional duties and responsibilities may be assigned by supervisors as deemed appropriate. This position does not constitute an employment agreement between the Bank and employee. This position description is subject to change as the needs of the bank and the requirements of the position change.