Credit Analyst Jobs in Atlanta, GA

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Regular or Temporary:

Regular

Language Fluency: English (Required)

Work Shift:

1st shift (United States of America)

Please review the following job description:

The Middle Market Credit Delivery Analysts apply basic understanding of finance and accounting, commercial banking products/services, and credit-oriented analysis in a fast-paced and dynamic environment. With oversight from more senior teammates, Analysts facilitate financial analysis, risk assessment, compliance tracking, and portfolio management. Supports projects in coordination with assigned leader and teammates. Begins to develop skills necessary for prudent underwriting and effective credit and risk administration with particular emphasis on adherence to credit policy and requirements. Learns how to navigate internal systems, policies, and procedures necessary to support LOB goals for new business execution and existing client management/retention. Supplements analysis with external research and validation from a wide variety of sources to develop an assessment of client, competitor, market and industry risks and trends. Credit Delivery Analysts typically support Associates, VP, and SVP-level teammates and gradually complete tasks with oversight while building foundational skills in most facets of underwriting and portfolio management.

ESSENTIAL DUTIES AND RESPONSIBILITIES
Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.

1. Perform detailed financial analysis of borrower financial statements, projections, cash flow, leverage, liquidity, and repayment capacity.

2. Assess industry trends, business models, competitive dynamics, and key risks impacting borrower performance.
3. Prepare credit memoranda presenting transaction structure, risk assessment, mitigants, and clear credit recommendations.
4. Conduct periodic financial reviews, covenant testing, risk rating updates, and borrower performance assessments.
5. Respond to internal and external information requests related to portfolio accounts and credit transactions.
6. Produce portfolio monitoring reports, stress tests, risk dashboards, and credit exposure analyses.
7. Assist with ad hoc analyses relating to portfolio trends, industry concentrations, and credit quality metrics.
8. Maintain data accuracy across credit systems and reporting tools.

Required Qualifications:
The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

1. Bachelor’s degree, or an equivalent combination of education and work experience.
2. 0-1+ years of related financial services work experience
3. Solid analytical skills and attention to detail
4. Solid written and verbal communication skills
5. Competitive drive and high work ethic, self-starter, team-oriented
6. Solid interpersonal skills
7. High level of adaptability and flexibility with strong organizational and time management skills
8. Solid understanding of business, finance, and accounting
9. Proficiency in Microsoft Excel and PowerPoint

Preferred Qualifications:
1. Minimum GPA: 3.5
2. Demonstrated work experience in finance or related field

General Description of Available Benefits for Eligible Employees of Truist Financial Corporation: All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist’s generous benefit plans, please visit our Benefits site. Depending on the position and division, this job may also be eligible for Truist’s defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work.

Truist is an Equal Opportunity Employer that does not discriminate on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status, or other classification protected by law. Truist is a Drug Free Workplace.

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