Credit Risk Analyst

Oakworth Capital Bank has an excellent opportunity for someone to join our team in Birmingham, AL! We are looking for a full-time Credit Risk Analyst who will play a vital role in supporting our current & future clients. An ideal candidate would meet the qualifications listed below, and more importantly, be able to demonstrate that they live by Oakworth Core Values (Golden Rule, Character, Innovative Spirit, Professionalism, Work Ethic).

Summary:

This role will monitor the ongoing risk of existing credit relationships via ABL monitoring, annual reviews and covenant tracking, as well as various other supporting credit risk efforts.

Key Roles/Responsibilities:

• Monitor risk of Asset Based Loans via analysis of borrowing bases, A/R and A/P agings, and financial trends.
• Perform annual reviews on relationships greater than $2 million, identify key issues, and offer mitigants, as needed.
• Track and monitor financial covenant compliance.
• Monitor LTVs of loans secured by OCB IMA accounts.
• Assist with other credit-related tasks such as spreads, trade credit references, confirmations, etc.

Responsibility Details:

• Monitor the Asset Based Lending (ABL) portfolio by analyzing borrowing bases, A/R agings, A/P agings, and financial trends; identify issues/concerns; discuss with client advisors and provide mitigants and recommendations, as needed.
• Track and monitor covenants to ensure compliance with loan approval parameters.
• Request information for annual reviews, write the review memo, identify trends and key issues, and offer mitigants or recommendations as needed.
• Monitor LTVs of loans secured by OCB IMA accounts and ensure all remain within the approved limit.
• Assist with other credit related activities such as spreads, trade credit references, mortgage verifications, etc.

Qualifications and Skills:

• Bachelor’s degree or equivalent; minimum of 1-3 years of credit or accounting experience.
• Ability to manage priorities and workflow with minimal guidance.
• Excellent communication skills including verbal and written communication.
• Team-focused (collaborative, works well with others, supports team goals)
• Acute attention to detail.
• Proficiency in Microsoft Office suite is required.

Oakworth has been named the #1 Best Bank to Work For, for 6 years in a row, by American Banker Magazine. To learn more our story and what makes Oakworth unique, visit https://www.oakworth.com/.

If you are interested in this excellent opportunity, please send your resume to brooke.kline@oakworth.com.