Credit Analyst

We are looking for a Credit Analyst to join a team in Greenville, South Carolina on a contract basis. This position focuses on assessing commercial credit requests, reviewing business financial information, and supporting sound lending decisions through accurate analysis. The ideal candidate brings strong attention to detail, sound judgment, and the ability to communicate effectively with lenders and internal stakeholders.

Responsibilities:

• Review credit submissions by entering, maintaining, and accessing application data with accuracy and attention to detail.
• Assess applicant financial strength by examining business performance, repayment capacity, and overall credit risk.
• Conduct cash flow reviews to help determine the level of exposure associated with extending commercial credit.
• Calculate and interpret key financial ratios to evaluate borrower risk and support lending recommendations.
• Verify that all analyses and documentation align with established lending guidelines and compliance standards.
• Address questions from lenders and provide clear, timely updates related to credit files and underwriting details.
• Examine proposed credit structures and offer guidance to less experienced team members when questions arise.
• Support internal and client audit activities by organizing documentation and assisting with credit file reviews.
• Experience in credit analysis, preferably within commercial lending or business banking environments.
• Working knowledge of commercial credit, collections processes, and credit application review.
• Ability to analyze financial statements, cash flow trends, and borrower performance indicators.
• Strong understanding of financial ratio analysis and risk evaluation principles.
• Familiarity with lending policies, documentation standards, and compliance expectations.
• Effective communication skills with the ability to respond professionally to lenders and internal teams.
• Strong organizational skills and a high level of accuracy when handling detailed financial information.