We're hiring a Senior Credit Analyst for a well-established institution with
$1.5 billion in assets and offices across the lower 40 counties of Alabama. This institution finances agriculture, agribusiness, and rural real estate - the kind of lending that's mission-driven and built to last, not subject to the next quarter's shareholder pressure.
What you'll do: - Analyze complex commercial and mortgage credits - balance sheets, cash flow, tax returns - to form sound opinions on risk and structure
- Work directly with loan officers on credit decisions and structuring
- Evaluate and structure loan participations and credit relationships across a diverse ag/commercial portfolio
- Own risk ratings and loss-given-default assignments
- Support and mentor analysts on complex applications as needed
What you bring: - Bachelor's degree in Finance, Business, or related field (or equivalent experience)
- 6+ years analyzing complex commercial and mortgage credits, including loan participations and credit structuring
- Strong financial statement analysis skills
- Ag industry background helpful, not required
What's on offer: - Competitive Year 1 base with a clear step-up in Year 2, plus up to 10% annual incentive
- 401(k) with 5% automatic contribution, up to 9% with employee match
- Full benefits - health, dental, vision, life, disability
- Tuition reimbursement, ongoing training, and industry conference attendance
- In-person role with flexibility across multiple branch locations in South/Central Alabama
