Requisition Number: 2019-008
Job Title: Senior Credit Analyst
City: Cullman
State: AL
Minimum Education: Bachelors

Senior Credit Analyst

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Description/Job Summary

The Senior Credit Analyst develops and analyzes all types of credit information; prepares complete loan packages independently for mid-size to large loans, including projections and analyses and makes the appropriate recommendations; prepares and helps loan officers gain information on larger and more complex loan packages; provides assistance to loan officers and/or the credit administrator as requested.


Essential job functions include, but are not limited to:
  • Obtains and assembles credit information on loans originated by branch office loan officers.
  • Processes and prepares underwriting analysis for authorized credit personnel to make credit decisions.
  • Inputs information into Credit Delivery.
  • Prepares loan closing documents.
  • Maintains and makes recommendations on loan underwriting standards and procedures.
  • Studies and researches the economic lending environment and the industries financed by the Association.
  • Participates in the Association's marketing efforts to promote growth and development.

Required Experience

  • Education equivalent to a Bachelor's Degree in Finance, Accounting, Business, or Economics is REQUIRED.
  • 6 - 8 years of credit analysis work experience is REQUIRED.
  • Ability to assume responsibility with minimal supervision.
  • Ability to regularly exercise discretion and independent judgment.
  • Self-starter with ability to be assertive and arrive at sound business decisions.
  • Excellent organizational, analytical, and creative skills.
  • Strong knowledge of computers and related software.
  • Knowledge of operations and appraisals is preferred.
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We are an Equal Employment/Affirmative Action employer. We do not discriminate in hiring on the basis of sex, gender identity, sexual orientation, race, color, religious creed, national origin, physical or mental disability, protected Veteran status, or any other characteristic protected by federal, state, or local law.

If you need a reasonable accommodation for any part of the employment process, please contact us by email at and let us know the nature of your request and your contact information. Requests for accommodation will be considered on a case-by-case basis. Please note that only inquiries concerning a request for reasonable accommodation will be responded to from this e-mail address.

First South Farm Credit will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the Association’s legal duty to furnish information.

For more information about our commitment to equal employment opportunity, please click here.