Credit Risk Analyst
Credit Risk Analyst
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Salary Not Disclosed
1 Vacancy
Job Description
Job Details
Description
Oakworth Capital Bank has an excellent opportunity for someone to join our team in Birmingham AL! We are looking for a fulltime Credit Risk Analyst that will play a vital role in supporting our current & future clients. An ideal candidate would meet the qualifications listed below and more importantly be able to demonstrate that they live by Oakworth Core Values (Golden Rule Character Innovative Spirit Professionalism Work Ethic).
Summary:
This role will monitor the ongoing risk of existing credit relationships via ABL monitoring annual reviews and covenant tracking as well as various other supporting credit risk efforts.
Key Roles/Responsibilities:
Monitor risk of Asset Based Loans via analysis of borrowing bases A/R and A/P agings and financial trends.
Perform annual reviews on relationships greater than $2 million identify key issues and offer mitigants as needed.
Track and monitor financial covenant compliance.
Monitor LTVs of loans secured by OCB IMA accounts.
Assist with other credit related tasks such as spreads trade credit references confirmations etc.
Responsibility Details:
Monitor the Asset Based Lending (ABL) portfolio by analyzing borrowing bases A/R agings A/P agings and financial trends; identify issues/concerns; discuss with client advisors and provide mitigants and recommendations as needed.
Track and monitor covenants to ensure compliance with loan approval parameters.
Request information for annual reviews write the review memo identify trends and key issues and offer mitigants or recommendations as needed.
Monitor LTVs of loans secured by OCB IMA accounts and ensure all remain within the approved limit.
Assist with other credit related activities such as spreads trade credit references mortgage verifications etc.
Qualifications and Skills:
Bachelors degree or equivalent; minimum of 1-3 years of credit or accounting experience.
Ability to manage priorities and workflow with minimal guidance.
Excellent communication skills including verbal and written communication.
Team focused (collaborative works well with others supports team goals)
Acute attention to detail.
Proficiency in Microsoft Office suite is required.
Oakworth has been recognized as a Best Bank to Work For by American Banker Magazine for the last eight years with six of those holding the top spot & ranking #2 in 2024. To learn more about our story and what makes Oakworth unique visithttps:// you are interested in this excellent opportunity please send your resume to.
#LI-DNI
Required Experience:
IC
Employment Type
Full-Time
