Requisition Number: 2019-011
Job Title: Credit Analyst
City: Cullman
State: AL
Minimum Education: Bachelors

Credit Analyst

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Description/Job Summary

The Credit Analyst is responsible for preparing complete loan packages, analyzing credit information and loan underwriting.


The essential functions/responsibilities of the position include, but are not limited to:

  • Processing credit information provided by loan officers.

  • Analyzing financial statements and income/expense information.

  • Preparing future income projections.

  • Writing loan narratives.

  • Underwriting loans.

  • Preparing analysis and making recommendations on loan approvals.

  • Proficient in the use of Microsoft Word and Excel, including the development of documents and spreadsheets.

Required Experience

Bachelor's Degree in Business, Accounting, Finance, or Agricultural Economics is required.


NOTE:  This position will be located in the Cullman, Alabama Processing and Underwriting Center and will require that the candidate be able to work a 40-hour week.

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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.