The holder of this position will develop and analyze all types of credit information with a large range of loan requests up to 250K. The analysis includes an in-depth interpretation of the applicant's financial information with a focus on owners' equity, working capital, and debt coverage to determine the short and long-term viability of the loan request. The analyst will analyze the overall risk to the Association by utilizing those ratios and our potential collateral position to help the branch determine the best route forward on all loan requests.


Responsibilities/Duties

Obtains and assembles information provided by the loan officer into a coherent and comprehensive loan package.
Uses provided financial information to determine potential risks to the company and applicant credit worthiness.
Analyzes financial statements, tax returns, and profit and loss statements for any individual or business associated with the loan request.
Processes and prepares underwriting analysis for authorized credit personnel to make credit decisions, under direction of the Credit Analysis Manager.
Maintains and makes recommendations on loan underwriting standards and procedures.


Education/Experience/Knowledge

Bachelor's degree in Accounting, Finance, Business, or Economics.
Excellent organizational and analytical skills.
Solid knowledge of computers, Microsoft Excel, and related software.


Required Skills/Abilities

Strong analysis, judgment, and communication (oral and written) skills.
Problem solving skills and ability to work in a team atmosphere.
High level of efficiency, accuracy, and responsibility.
Motivated with a strong desire to take on new challenges and learn.
Ability to handle frequent changes, delays, or unexpected events.
Regularly exercises discretion and independent judgment.
Self-starter and ability to be assertive and arrive at sound business decisions.
Demonstrates initiative and can work responsibly with minimal supervision.


Leadership and advancement opportunities are available to analysts who display a thorough understanding of company policies, communicate clearly and effectively throughout the loan approval process, and adequately develop their knowledge of farm and nonfarm industries.


Applicants living within 60 miles of Cullman, Alabama are preferred. This position will be on a hybrid work schedule (50/50 remote and on-site). An estimated 2-4 weeks of on-site onboarding will be required upon applicant's start.


Benefits of being part of the First South team include:

Competitive pay
Personal development
Paid vacation, sick leave, and holidays
Medical insurance
Dental and vision care
Flexible spending accounts
Health savings accounts
401(k) with employer matching
Disability and life insurance
Incentive plan



Responsibilities/Duties
- Obtains and assembles information provided by the loan officer into a coherent and comprehensive loan package.
- Uses provided financial information to determine potential risks to the company and applicant credit worthiness.
- Analyzes financial statements, tax returns, and profit and loss statements for any individual or business associated with the loan request.
- Processes and prepares underwriting analysis for authorized credit personnel to make credit decisions, under direction of the Credit Analysis Manager.
- Maintains and makes recommendations on loan underwriting standards and procedures.

Education/Experience/Knowledge
- Bachelor's degree in Accounting, Finance, Business, or Economics.
- Excellent organizational and analytical skills.
- Solid knowledge of computers, Microsoft Excel, and related software.

Required Skills/Abilities
- Strong analysis, judgm ent, and communication (oral and written) skills.
- Problem solving skills and ability to work in a team atmosphere.
- High level of efficiency, accuracy, and responsibility.
- Motivated with a strong desire to take on new challenges and learn.
- Ability to handle frequent changes, delays, or unexpected events.
- Regularly exercises discretion and independent judgment.
- Self-starter and ability to be assertive and arrive at sound business decisions.
- Demonstrates initiative and can work responsibly with minimal supervision.

Leadership and advancement opportunities are available to analysts who display a thorough understanding of company policies, communicate clearly and effectively throughout the loan approval process, and adequately develop their knowledge of farm and nonfarm industries.

Applicants living within 60 miles of Cullman, Alabama are preferred. This position will be on a hybrid work schedule (50/50 rem ote and on-site). An estimated 2-4 weeks of on-site onboarding will be required upon applicant's start.

Benefits of being part of the First South team include:
- Competitive pay
- Personal development
- Paid vacation, sick leave, and holidays
- Medical insurance
- Dental and vision care
- Flexible spending accounts
- Health savings accounts
- 401(k) with employer matching
- Disability and life insurance
- Incentive plan