Job Description
Join First Gulf Financial Group's dynamic credit team in the heart of New Orleans! We're seeking a detail-oriented Senior Credit Analyst to evaluate complex financial risks and support our commercial lending portfolio. This is a high-impact role where your analytical expertise will directly influence our bank's growth strategy and risk management framework.
As a key member of our credit division, you'll conduct in-depth financial analysis, prepare comprehensive credit memos, and collaborate with relationship managers to structure optimal financing solutions. We offer a collaborative culture focused on professional development, competitive compensation, and the opportunity to thrive in New Orleans' vibrant financial district.
Responsibilities
- Analyze financial statements, cash flows, and collateral to assess borrower creditworthiness
- Prepare detailed credit risk assessments and recommendations for loan approvals/modifications
- Monitor existing loan portfolios for early warning signs of credit deterioration
- Develop and maintain strong relationships with commercial lenders and underwriting teams
- Ensure compliance with internal policies and external regulatory requirements (FDIC, OCC)
- Lead complex credit reviews for mid-market companies across diverse industries
- Utilize advanced financial modeling tools to project repayment capacity and stress-test scenarios
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or related field (MBA/CFA preferred)
- 5+ years of commercial credit analysis experience in banking/lending environment
- Expertise in financial statement analysis and cash flow modeling
- Proficiency in credit software (e.g., Moody's Analytics, S&P Capital IQ) and Excel modeling
- Strong understanding of commercial lending regulations and risk management frameworks
- Excellent written/verbal communication skills with ability to present complex analyses
- Proven track record of managing loan portfolios $10M+