CB Credit Analyst - Decatur, AL

The SouthState story is one of steady growth, deep community roots, and an unwavering commitment to helping our customers move forward. Since our beginnings in the 1930s to becoming a trusted financial partner across the South and beyond - we are known for combining personal relationships with forward-thinking solutions.

We are committed to helping our team members find their success while maintaining the integrity of our values: building trust, fostering lasting relationships and pursuing excellence. At SouthState, individual contributions are recognized, potential is cultivated and team members are inspired to achieve their greater purpose. Your future begins here!

POSITION SUMMARY

A Credit Analyst is responsible for making customer credit decisions, credit recommendations, and monitoring credit limits/balances. This individual is also responsible for customer contact, workflow management, and daily reporting.

ESSENTIAL JOB DUTIES

• Analyze financial statements (including performance ratios) of all levels of quality to identify strengths and weaknesses as pertaining to customer's historical operating performance.
• Analyze customer performance to ascertain customer's ability to pay balance on time.
• Analyze credit investigation information to set and monitor account balance versus limit set.
• Analyze past due reporting to review accounts for hold status.
• Analyze over limit reporting to review accounts for hold status.
• Customer and client contact to review account status and limits set.
• Workflow management to insure customer retention and evaluation.
• Analyze customer accounts to approve over ticket limit invoices.
• Makes approval, denial and alternative credit decisions.
• Collects and maintains industry data; researches industry specific information from outside sources, including conversations with the customer, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the internet.
• Review and approve new client customers for set up on CBI system.
• Special projects as assigned by manager, including underwriting new clients and monthly reports.

REQUIRED SKILLS AND COMPETENICIES

• High School education or GED

• At least 6 months credit analysis/underwriting experience

• Working knowledge of business and personal credit reports

• Working knowledge of Microsoft Office products - Word, EXCEL, Outlook

• Ability to plan and organize work flow

• Strong communication, problem solving, decision making, and negotiation skills

PREFERRED SKILLS AND COMPETENCIES

• Bachelor's Degree in business related field

• Ability to read and understand financial statements

• Factoring experience

• Previous experience monitoring credit limits and account balances

WORKING CONDITIONS

• Office environment; secure, comfortable working conditions.

ADDITIONAL COMMENTS

The aforementioned description of general job responsibilities in no way constitutes a contract of employment, nor should it be considered an all-inclusive. Management has the right to alter duties based on current company situations and/or projects that require special assistance. Position may be responsible for performing other duties as assigned.

Equal Opportunity Employer, including disabled/veterans.