Credit Analyst II - Baton Rouge, Louisiana, , United States
3 days ago
Job description
Works primarily as support personnel for lending division through spreading and analyzing financial statement and tax return data. Prepares business and individual financial statement spreadsheets and cash flow statements. Develops and maintains specialized spread sheets and templates. Occasional customer contact to obtain financial information. Performs other duties as requested by Credit Manager. Position will require in person work days, 3 days a week, in Baton Rouge, LA.
JOB REQUIREMENTS
- College Degree, preferably with emphasis in finance or business
- Previous credit analysis experience or training
- Fundamental understanding of basic accounting and financial ratios
- Detailed understanding of Microsoft Excel
SPECIFIC JOB FUNCTIONS
- Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
- Generate financial ratios, using computer programs, to evaluate customers' financial status.
- Explain changes in financial conditions, and understand ratios
- Prepare most credit packages independently, with Manager's guidance on complex relationships or loan requests
- Complete informative credit analysis memorandums
- Consult with customers to verify financial and credit transactions.
- Prepare reports that include the degree of risk involved in extending credit or lending money.
- Complete credit analysis memorandums, including analyzing spreads, summaries of loan requests, and submit to loan committees for approval.
- Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
- Analyze financial data such as income growth, quality of management, and market share to determine expected profitability of loans.
- Evaluate customer records and recommend payment plans based on earnings, liquidity, payment history, and purchase activity.
- Confer with credit association and other business representatives to exchange credit information.
- Confidently answer credit questions presented in committee
SUPERVISORY RESPONSIBILITIES
This job has no direct supervisory responsibilities.
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is frequently required to sit, stand; walk; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is occasionally required to climb or balance and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 15 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision and ability to adjust focus.
WORK ENVIRONMENT
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Employee is required to maintain a valid driver's license and provide own reliable transportation. This position requires travel within a 100 mile radius.
Similar jobs
A credit analyst II works primarily as support personnel for lending division through spreading and analyzing financial statement and tax return data. Prepares business and individual financial statement spreadsheets and cash flow statements. · ...
3 weeks ago
The Senior Internal Auditor carries out the duties and responsibilities as dictated by professional standards and contributes to the Credit Union's mission by serving a junior leadership role in the Internal Audit department. · Perform and lead audit fieldwork for higher-risk are ...
1 week ago
About This Job · This position is located in the Budget Section's Federal Aid Unit within DOTD Headquarters.The incumbent serves a critical role in monitoring federally funded transportation projects from inception through closeout. · ...
3 weeks ago
We are proud to serve the people of Louisiana with integrity, innovation, and a deep commitment to equity. · This position is located in DOTD's Headquarters (HQ) Human Resources Office and serves as the Department's Recruitment and Selection Specialist. ...
1 month ago
+Job summary · This is your opportunity to join Capital One's fast-growing consumer app: Capital One Shopping.Within Capital One, the Shopping team is working on a new consumer product that seeks to change the way people buy things online. · ,+A proven track record of decision ma ...
1 week ago
+Job summaryA well-established organization in the energy sector is seeking an Operations Support Specialist to support daily operations across locations in New Orleans and Baton Rouge. · ++ Analyze current financial processes at the facility and recommend improvements to the Gen ...
2 weeks ago
We take great strides to ensure our employees have the resources to live well, · be healthy · continue learning · develop skills · grow professionally · and serve our local communities.Bachelor's of Computer Science or other technical programs including mathematics, applied phys ...
1 month ago
We invite you to apply for a career with Blue Cross. · Guided by BCBSLA Reference Architecture & Standards, Senior Solution Architect is responsible for leading development of Architecture Solution Blueprints for all business and IT projects. · Ensure sound, sustainable and econo ...
1 month ago
We take great strides to ensure our employees have the resources to live well, be healthy, continue learning, develop skills, grow professionally and serve our local communities. We invite you to apply for a career with Blue Cross. · Residency in or relocation to Louisiana is pre ...
2 days ago
+Job summary · We invite you to apply for a career with Blue Cross. · The Senior Healthcare Informatics Analyst independently provides analytics in understanding and improving how health care is valued, utilized and provided.This position will develop analytic attributes that per ...
1 month ago
We invite you to apply for a career with Blue Cross. · This position is responsible for completing the activities outlined in the BCBSLA Quality Management Work plan which includes but not limited to working with internal and external representatives to implement, monitor and rev ...
3 weeks ago
Drive with Doordash · No CDL needed / No commercial drivers license. · Multiple ways to earn: · Whether you're delivering meals or groceries DoorDash offers diverse earning opportunities so you can maximize your time.<br> · Total flexibility: · Dash when it works for you & Set yo ...
3 hours ago
The Division of Administration/Office of Human Resources has a vacancy. This position will be filled in the Operations/Benefits unit. · This position requires strong human resources experience, including personnel management, payroll processing, and employee relations. · The idea ...
4 weeks ago
The Louisiana State Treasurer's Office is seeking a Debt Analyst to join their mission-driven team. The role involves analyzing complex state and local government debt applications, evaluating financial documents, and preparing written analyses for presentation to State Bond Comm ...
4 weeks ago
This position supports the management and oversight of federally funded transportation projects by ensuring accurate funding authorization financial monitoring compliance with Federal Highway Administration FHWA requirements. · ...
3 weeks ago
The Office of Administration (OAD) provides accounting, budgeting, procurement, IT, data management program analysis strategic planning and human resources functions for the entire department. · The Human Resources Analyst A B C or Specialist provides services for the entire empl ...
2 weeks ago
The Louisiana State Licensing Board for Contractors (LSLBC) is seeking a skilled and strategic leader to serve as the Enforcement Analyst Supervisor in the Enforcement Division. · ...
1 month ago
Louisiana Works transforms lives and drives prosperity by putting people at the center of everything we do. We provide one seamless door where individualized solutions create new possibilities. · ...
4 weeks ago
The Office of Workers' Compensation Administration (OWCA) in Louisiana oversees the enforcement and administration of workers' compensation laws, aiming to support early return-to-work efforts and improve workplace safety. · The Workers' Compensation Medical Service Analyst is re ...
1 month ago
The Social Services Analyst 3 is a complex professional role within the Louisiana Department of Education's Child Care Assistance Program (CCAP), specifically dedicated to the implementation of Act 3. The primary mission of this position is to remove barriers to high-quality chil ...
1 month ago