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Credit and Portfolio Management Analyst
Georgia Banking Company. Maintain financial statement, covenant, and other credit-related tracking for assigned relationship manager portfolios .
About the role
Key responsibilities & impact- 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
Requirements
What you’ll need- Bachelor’s degree in Accounting, Finance, Economics, Business, or a related field preferred
- Entry-level candidates and candidates with relevant internship, banking, accounting, financial analysis, or credit experience will be considered
- Foundational knowledge of accounting, financial statements, cash flow analysis, and business finance
- Strong analytical skills, attention to detail, organization, and ability to manage multiple deadlines
- Ability to communicate clearly and professionally in writing and in discussions with internal partners
- Curiosity, sound judgment, and willingness to ask questions, accept feedback, and develop independent analytical conclusions
- Ability to work effectively within a team supporting designated relationship manager portfolios and to assist across commercial lending areas as business needs require
- Proficiency with Microsoft Office, particularly Excel, Word, PowerPoint, and Outlook, is required
- Experience with Moody’s CreditLens is a plus
- Experience using Microsoft Copilot or similar AI-enabled productivity tools is a plus
- Formal credit training or coursework in accounting, finance, or commercial banking is a plus
Benefits
Comp & perks- Equal Opportunity/Affirmative Action Employer
- Veterans/Disabled employment opportunity statement