Credit Analyst



1. Assists loan officers in the analysis, servicing, and reporting of the association’s mortgage and commercial loans.  Works directly with lending staff in the development of appropriate credit decisions and prepares other reports as requested by management.

2. Analyzes financial information including balance sheets, income statements, cash flow and tax returns to form an opinion of the strengths, weaknesses and risks associated with loan packages.  Determines probability of Default (PD) ratings as appropriate and makes recommendations for approval or denial of loans.  

3. Interprets, communicates, and provides guidance to loan officers regarding association lending policies and procedures.

4. Reviews and approves loans submitted by other lending staff that exceed their delegated authority.

5. Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper.

6. Complies with proper credit administration practices as outlined in the association’s policies and procedures.

7. Assists senior-level credit analysts with complex loan applications as necessary.



May perform collateral evaluations in compliance with district and association standards and procedures.  May assist with or attend public relations functions for the Association.



General knowledge of accounting/financial systems.  Specialized knowledge of accounting/finance principles.  Skill in oral and written communication.  Intermediate skill level in Microsoft Office applications.  Ability to perform intermediate-level accounting and financial analyses under limited supervision.


Frequent interaction with customers, association departmental staff and management.  Occasional interaction with association senior management, CEO, and/or board of directors.  Occasional interaction with Farm Credit Bank of Texas staff.  Frequent interaction with area professionals including real estate agents, commercial bankers, and others who deal with the association in the normal course of business.


Ability to sit for long periods of time. Ability to stand for limited periods of time. Frequent finger/hand manipulation (keyboard, office equipment, small hand tools, etc.), occasional lifting, carrying, pushing, and/or pulling while exerting up to 50 pounds of force.

Location: Administration Office, Cullman, AL

Reports to: Director of Credit Analysis


Bachelor’s degree in Finance, Business Administration or a related field, or equivalent experience and three (3) to five (5) years of experience in the administration and analysis of credit on commercial and mortgage loans including risk assessments and recommendations on approval of loan applications.


Assists loan officers in the analysis, servicing, and reporting of the association’s mortgage and commercial loans.  Fully competent professional, assignments are varied and moderately complex in nature, some latitude for decision making, works under moderate supervision.


  • An outstanding company-wide incentive program
  • Accommodating and flexible vacation and sick leave
  • 12 paid holidays
  • 401(k) plan with up to a 9% employer contribution/match
  • Affordable health, dental, and vision plans
  • Employer paid life insurance and disability
  • Tuition reimbursement (100%)
  • Up to $400/year wellness reimbursement
  • Company paid clothing allowance
  • Company paid cell phone and laptop