Commercial Credit Analyst

Oakworth Capital Bank is expanding and has an excellent opportunity for someone to join our team in Charlotte, NC ! We are looking for a fulltime Commercial Credit Analyst that will join the credit team and work in a collaborative environment to assess risk with any new or existing client & manage commercial credit risk.

We are seeking an analyst to assess credit data and evaluate the level of risk involved in extending credit or lending money to firms and individuals. The ideal candidate will not only perform these responsibilities with excellence but also collaborate effectively across all departments within the bank. We are looking for someone who is confident in their ability to think creatively, offer sound credit structuring insights to client advisors and managers, and provide support across all areas of the bank’s credit and risk departments. The ideal candidate will meet the qualifications outlined below and, most importantly, consistently demonstrate Oakworth’s Core Values: Golden Rule, Character, Innovative Spirit, Professionalism, and Work Ethic .

Key Roles/Responsibilities:

• Underwrite commercial loan requests, identify key issues, offer mitigants as needed, discuss with client advisors and team leads.
• Assemble commercial loan approval packages for review and be able to articulate an argument for or against.
• Manage ongoing credit risk in existing loans via construction monitoring, industry reviews, Loan Review or Examiner suggestions.
• See that credit policies are adhered to, or point out deviations thereon with proper notices and approvals put to file.
• Assist loan operations with review of loan documents such that all loans are documented within the boundaries of their previously approved terms.

Responsibility Details:

• Ability to analyze and interpret financial statements, tax returns for corporate and individual clients.
• Contacts banks, trade and credit associations, salespeople, and others to obtain credit information.
• Studies economic trends in firm's industry or branch of industry to predict probable success of new client.
• Ability to support or suggest appropriate covenants and anticipate initial covenant compliance.
• May visit establishments to determine condition of plant and equipment and compare methods of operation with accepted practices in industry.
• Evaluates results of investigations, prepares reports of findings, and suggests credit limitations to management.
• Updates and maintains current credit files.

Successful candidates will have:

• Bachelor’s degree (B A.) or equivalent or equivalent combination of education and experience.
• Minimum of three (3) years of analyzing commercial and industrial companies, including but not limited to financial statement analysis, collateral analysis and cash flow analysis .
• Ability to be flexible in order to be responsive to issues and problem solve.
• Excellent written and verbal communication to be able to professionally interact with associates and clients.
• Advanced knowledge and understanding of loan products, market pricing & structure trends, credit policies and procedures and federal regulations are desired.
• Ability to thrive in a team environment and collaborate well with other Credit Analysts & Associates to meet all client needs and strategic objectives.

Oakworth has been recognized by American Banker magazine as one of the “Best Banks to Work For” nine times , earning a spot on the list every year since the program began in 2013. Most recently, Oakworth ranked #2 nationally in both 2024 and 2025 , after holding the #1 ranking six times in prior years. To learn more about our story and what truly sets Oakworth apart, visit .

If you are interested in this excellent opportunity, please send your resume to View email address on click.appcast.io.