Georgia Banking Company

Business Analyst

• Maintain financial statement, covenant, and other credit-related tracking for assigned relationship manager portfolios
• Follow up on outstanding items and escalate past-due or noncompliant items
• Complete annual reviews and support periodic portfolio reviews
• Analyze borrower performance, repayment capacity, collateral, guarantor strength, industry conditions, and risk trends
• Prepare maturity extension, renewal, modification, and amendment analyses
• Review borrower financial statements, tax returns, personal financial statements, credit reports, compliance certificates, and other supporting information
• Perform financial statement and tax return spreading, ratio analysis, global cash flow analysis, and trend analysis
• Review borrowing base reports and collateral availability; identify exceptions and communicate concerns
• Review covenant compliance calculations and identify potential violations or adverse trends
• Assist with underwriting new credit requests by gathering information, performing financial analysis, researching industries, and drafting credit memoranda
• Prepare credit memoranda, annual review narratives, portfolio reports, and presentations
• Conduct economic, industry, borrower, and portfolio research
• Assist with portfolio reporting, data validation, process improvement initiatives, and special projects
• Communicate with relationship managers, underwriters, credit officers, loan operations, and other internal partners
• Follow credit policies, procedures, approval requirements, regulatory expectations, and documentation standards
• Perform other related duties as assigned

Credit and Portfolio Management Analyst