Oconee State Bank
Watkinsville, GA
Credit Analyst (3627) Qualifications RESPONSIBILITIES (INCLUDING BUT NOT LIMITED TO): Analyze financial statements, tax returns, and other financial documents to assess the creditworthiness of prospective and existing commercial borrowers. Prepare financial spreads and cash flow summaries using internal tools and software; interpret results to identify trends, repayment capacity, and potential risks. Assist in the preparation of written credit memoranda, incorporating both quantitative and qualitative, for presentation to Credit Administration staff and Senior Management. Collaborate with Relationship Managers to gather necessary borrower information and provide analytical support in structuring credit facilities. Contribute to periodic reviews of existing commercial credit relationships by analyzing updated financial information and identifying any early warning signs. Other duties assigned to support the...