Job Description
Join our dynamic finance team as a Senior Credit Analyst at First Gulf Bank, where your expertise will shape our commercial lending portfolio in the vibrant New Orleans market. We're seeking a detail-oriented professional to evaluate creditworthiness, mitigate financial risks, and support our mission to fuel local business growth. Enjoy competitive compensation, comprehensive benefits, and opportunities for career advancement in a collaborative environment.
Responsibilities
- Analyze financial statements, credit reports, and market data to assess borrower risk profiles
- Prepare comprehensive credit recommendations for commercial loan approvals up to $5M
- Monitor existing portfolios for early risk detection and recommend mitigation strategies
- Collaborate with relationship managers to structure complex credit facilities
- Ensure strict adherence to regulatory compliance and internal credit policies
- Develop risk-adjusted pricing models for diverse industry sectors
- Maintain accurate documentation in loan origination systems
Qualifications
- Bachelor's degree in Finance, Accounting, or related field (MBA preferred)
- 5+ years of commercial credit analysis experience in banking/lending
- Advanced proficiency in Excel and financial modeling software
- Strong knowledge of GAAP, FASB, and credit risk frameworks
- Proven ability to interpret complex financial statements and cash flows
- Excellent analytical, negotiation, and communication skills
- Experience with credit bureau reporting and regulatory compliance
- Professional certification (CRCM, CMB, or equivalent) preferred