Credit Analyst II

Location: This position can be located in Tampa or St. Petersburg

JOB SUMMARY:

Credit Analysts are responsible to assist in the support and management of a regional commercial loan portfolio. A Credit Analyst will analyze the financial information on existing customers to assess the borrower's and guarantor's financial condition and ability to repay, perform periodic or annual reviews and covenant tests, and assist in monitoring the risk profile of a customer. Credit Analyst candidates must be able to perform many job functions independently. A Credit Analyst should be able to analyze basic common loan types with limited training and should be able to handle slightly more complicated analyses with direct training and guidance.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Analyze financial information for existing customers for loan requests, renewals, modifications, and aid the credit decision making and portfolio maintenance process.
• Prepare and present financial information and other information in the required format (spreads, charts, memos) and analyze in detail for trends, ratios, cash flow, etc.
• Responsibilities include the preparation of documentation in support of the management of the portfolio.
• Responsible for preparing department reports as directed.
• Responsible for assisting other analysts in an accurate and expeditious manner since growth and skill development is achieved through working with both experienced and junior team members and Commercial Bankers supported.
• Adhere to Seacoast Bank's Code of Conduct.

EDUCATION and/or EXPERIENCE:

• Bachelor's degree (BS or BA) from four-year accredited institution with a major in finance, accounting or business preferred.
• Minimum of two years commercial credit analysis experience or equivalent. Competence may be demonstrated through one or a combination of the following: work experience, training, or education. Formal commercial credit training preferred.
• Ability to develop and sustain analytic and risk management skills in the management of a portfolio.
• Gain familiarity with various industries and commercial property types.
• Build experience evaluating economic and market conditions in the markets served.
• Develop experience analyzing collateral and collateral valuation.
• Expand knowledge of policies, procedures and operations of commercial lending.
• To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.

The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry. It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles. This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities.

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