Credit Analyst/Asset Based Lending

Credit Analyst/Asset Based Lending - Capital City Bank - More than your bank, your banker.

Hours Mon- Fri 40 Hours

General Summary

This position is primarily responsible for the monitoring of Borrowing Base Clients by requesting, compiling and analyzing all supporting documents on a monthly basis for each borrowing base client and then determining the appropriate action to take on the respective credit line.

Additional responsibilities - Conduct credit investigations and analyze credit information pertaining to loan opportunities. Provides assistance to Commercial Loan Officers and Credit Analyst Manager in making credit decisions through preparation of financial spreadsheets and written analyses focusing on the borrower’s historical and projected ability to service existing and any new debt.

All associates at Capital City Bank, Capital City Wealth, and Capital City Home Loans have access to confidential client information and must practice discretion at all times.

Principal Duties and Responsibilities

• Reviews detailed accounts receivables, inventory accounting records and balance sheets in order to evaluate collateral values for borrowing base certificates.
• Input daily activity into the Cadence software and verify that each client’s Daily Collateral Report agrees to the balance on the Jack Henry System.
• Work with lenders/clients to obtain required documents to properly monitor their ABL.
• Reviews collateral records to determine compliance with loan agreement reporting requirements.
• Review and verify that collateral submitted by clients reconciles to subsidiary schedules such as sales reports, credit memos, and lock box reports.
• Review documentation for accuracy and completeness.
• Accountable for risk management compliance as per policy.
• Investigates and resolves collateral discrepancies.
• Describe and document all suspicious and fraudulent activity immediately to the Manager
• Collaborates with Loan Service associates to reconcile all operational aspects to include Jack Henry and Cadence management software system.
• Perform timely underwriting and analysis of loan requests and reviews.
• Spreads financial statements of commercial clients using Abrigo software and prepares concisely written narrative, focusing on areas of profitability, liquidity, cash flow, industry stabilization and overall capacity to service debt.
• Works jointly with Commercial Loan Officers in the preparation of loan packages for the purpose of properly decisioning loan requests. The Credit Analyst’s primary focus will be to document the borrower’s historical and projected capacity to repay and to make a recommendation as to if and how the Bank should proceed with the request.
• Performs annual financial reviews of existing large credit exposures to the Bank to ensure those relationships are properly risk rated and that the loan is in compliance with any covenants that may have been established.
• Performs annual reviews of significant ACH relationships to ensure approval levels are appropriate and that the risk profile continues to be acceptable.
• Periodically monitors significant criticized and classified loans as well as other performing loans having higher risk profiles to ensure the relationships are properly risk rated.

Employer determines the essential functions of the job.

All associates must understand and adhere to the non-negotiable Banker Standards and commit to practicing SGNNT (smile, greet, name, name, thank you) at all times. Associates will consistently follow policies and procedures as established by Capital City Bank, Capital City Wealth, and Capital City Home Loans, with department managers setting the standard.

Associated Duties

• Provides additional support to manager and department colleagues.
• Completes all assigned/required Bank training within established timelines.

Knowledge, Skills and Abilities (KSA) Required

The following KSAs are usually acquired through working experience and/or specialized course(s):

• Advanced knowledge of software programs including Microsoft Excel, Jack Henry Silverlake, Abrigo, UCC searches, Ansonia and Cadence
• Organized, detail oriented, and ability to prioritize work and multi-task
• Ability to exercise sound and reasonable judgment
• Ability to apply initiative and work with little supervision
• Ability to communicate effectively and interact positively with all clients as well as fellow associates.
• Knowledge of Bank operations and general ledger

Education

Degree from an accredited University with emphasis on Finance, Business or related field required. Relevant work experience may substitute for the education requirement.

Working Conditions

1. Professional office environment and atmosphere.
2. Fast-paced and evolving environment.
3. Limited travel.
4. In the rare instance of a major or extensive natural disaster, epidemic or pandemic occurrence, or other disruption within our footprint, it may be necessary for associates to relocate or telecommute before, during or after, to ensure business continuity.

Capital City Bank associates are our greatest asset. We offer the following benefits:

• Medical, Dental and Vision
• Life Insurance
• 401(k) with Matching
• Flexible Spending Accounts
• Tuition Assistance
• Stock Purchase
• Discounts on Products and Services

EOE/Protected Veterans/Disabled/Drug Free

The above declarations are not intended to be an “all-inclusive” list of the duties and responsibilities of the job described nor are they intended to be such a listing of the skills and abilities required to do the job. Rather, they are intended only to describe the general nature of the job.

THIS JOB DESCRIPTION DOES NOT CONSTITUTE AN EMPLOYMENT AGREEMENT. This job description does not restrict Capital City Bank, Capital City Investments, Capital City Trust Company, Capital City Strategic Wealth, and Capital City Home Loans from the ability to assign, reassign or eliminate duties and responsibilities of this job at any time. This job description describes the current assignment of essential functions. These functions may change at any time as the needs of the Bank or department change or for other reasons deemed appropriate.