Credit Analyst I

Job DetailsPosition Type: Full TimeEducation Level: 4 Year DegreeTravel Percentage: NoneJob Shift: Monday - FridayJob Category: BankingPlanters Bank & Trust Company Job Notice Planters Bank & Trust Company is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetic information, disability status, protected veteran status, or any other characteristic protected by law. Summary: The Credit Analyst I supports the evaluation, underwriting, and ongoing monitoring of commercial loan relationships. This role focuses on business customers with total exposure exceeding $1MM (inclusive of existing and proposed credit facilities). Primary responsibilities include financial statement spreading, basic credit analysis, and preparation of concise credit presentations to support sound lending decisions. All Planters Bank employees are required to: Live our core values at work each day with your Head, Heart, Hands and Feet. Maintain a strict standard of confidentiality involving all transactions. Deliver quality service to all customers. Possess a team-oriented attitude with a desire to see success in themselves and others. Develop a working knowledge of all bank products. Location: The location for this position may be flexible based on where the applicant is located as well as office space availability within our Planters Bank system. **Please note- Nonqualified applications will not be considered for the position. Likewise, applications with false or incomplete information will also not be considered for the position. QualificationsEducation, Skills & Experience necessary and Equipment Skills: Resume required Bachelor’s degree in Finance, Accounting or Business or related field. 0–2 years of experience in banking, finance, accounting, or credit analysis preferred. Internship experience in commercial banking or lending is a plus. Basic understanding of financial statements and accounting principles. Ability to perform financial ratio calculations and trend analysis. Strong attention to detail and data accuracy. Analytical thinking with willingness to learn credit fundamentals. Equipment: Computer keyboard and software, Microsoft Office, Telephone, Ten-Key Calculator. Proficiency in Microsoft Excel and financial spreading systems (or ability to learn quickly). Ability to manage multiple tasks in a deadline-driven environment. Strong communication skills, both written and verbal. Strong organizational and time-management skills. Satisfactory Credit Bureau and Background Report. Career Path & Growth Opportunities: This position serves as an entry-level role in the credit function, with potential for progression opportunities. Physical Requirements: Frequency Weight/Pounds Sitting 85% Standing 5% Walking 5% Fine Manipulation of Hands 100% Lifting 1% 5 lbs Carrying 1% 5 lbs Bending/Squatting 1%