[Remote] Commercial Credit Analyst I (Remote: FL, GA, AL, VA, NC, SC, TX, CO)

Note: The job is a remote job and is open to candidates in USA. SouthState Bank is a trusted financial partner known for its commitment to helping customers move forward. The Commercial Credit Analyst I position is responsible for providing analytical and loan decision support by preparing financial statement spreads for commercial loan borrowers and performing credit analysis.

Responsibilities

• Performs spreads and credit analysis of commercial borrowers and guarantors, utilizing audited, reviewed, and complied financial statements and tax returns
• Performs personal cash flow analysis utilizing individual tax returns and personal financial statements
• Performs complex spread requests for specialized lending groups: (i.e. middle market loans, franchise finance, not-for-profits, municipalities, homebuilder loans, religious organizations, associations, foreign financials, trusts, bank vendors, and enterprise value loans)
• Uses independent judgement and discretion to appropriately provide detailed Credit Analysis on all spread requests
• Due to the complexity and significance of the Bank’s loan portfolio, careful judgement and discretion is required to properly assess the risk to the Bank’s mission and goals
• Demonstrates the ability to work independently with minimal oversight
• Participates and leads various training and mentoring sessions with other Credit Analysts and Commercial Associates
• Communicates with Relationship Managers, Portfolio Managers, and Credit Administrators as needed to convey concerns and/or risks related to loans
• Utilizes credit-reporting services to compile reports relating to the credit history of current and potential customers
• Ensures that all work prepared is timely and turned around within department guidelines and with the utmost accuracy
• Researches and analyzes financial data, interprets, and prepares reports of financial position and determines if additional information is needed to properly analyze the financial condition of a borrower so that a proper decision is made regarding approval or declination of credit
• Monitors the financial position of established accounts and brings irregularities to the attention of the loan officer
• Works with Portfolio Managers to learn the Portfolio Manager role and to assist with underwriting/servicing tasks as needed
• Successfully works with teammates to collectively assist the Commercial Credit Analyst team in stated objectives and tasks
• Works to create a constructive workplace environment that expands positive culture and enhances the Bank’s core values
• Undertakes special projects that may be deemed of significant importance to the Chief Credit Officer
• Participates in community related activities
• Ensures that the Bank’s policies and procedures, code of conduct, and regulatory guidelines are strictly complied with
• Provides aid to other employees by liaising with them through healthy and positive interactions
• Continuously updates skills by participating in professional training and development
• Seeks opportunities to improve skills through cross-training offered by the Bank
• Position may require regular before/after normal business hours, or regular out-of-town travel
• All other tasks, responsibilities, or duties, as directed by the Commercial Credit Analyst Team Lead or the Director of Commercial Credit Analysts

Skills

• A bachelor's degree in business, finance, or accounting is recommended to have a good understanding of financial statements and to make industry evaluations
• Finance/accounting related work experience of at least five years in lieu of a college degree in business, finance, and accounting
• Work as a Commercial Credit Analyst, or similar credit position, for a minimum of one year
• Knowledge of personal computer, Windows and Microsoft software applications is necessary

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