Cb Credit Analyst

As a leading regional bank, SouthState has been providing financial solutions to individuals, families, and businesses in the Southeast for more than 100 years. SouthState team members strive to create remarkable experiences while building meaningful and lasting relationships. We are proud to be a reflection of the communities we serve and our team members share core values that make SouthState a great place to bank, and a great place to work.

SUMMARY/OBJECTIVES

A CB Credit Analyst is responsible for making credit decisions, credit recommendations, and monitoring credit limits/balances.  This individual is also responsible for customer contact, workflow management, and daily reporting. 

ESSENTIAL FUNCTIONS

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Makes approval, denials, and alternative credit decisions.
• Collects and maintains industry data; research industry specific information from outside sources, including conversations with the customer, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the internet.
• Review and approve new client customers for set up on CBI system.
• Special projects as assigned by manager, including underwriting new clients and monthly reports.
• Communicate effectively to Management and Credit Analyst Team.
• Analyze financial statements (including performance ratios) of all levels of quality to identify strengths and weaknesses as pertaining to customer’s historical operating performance.
• Analyze customer performance to ascertain customer’s ability to pay balance on time.
• Analyze credit investigation information to set and monitor account balance versus limit set.
• Analyze past due reporting to review accounts for hold status.
• Analyze over limit reporting to review accounts for hold status.
• Customer and client contact to review account status and limits set.
• Become a subject matter expert on Corporate Billing’s standards and procedures within the Credit Analysis Group.
• Analyze debtors/clients’ accounts, consult with Credit Manager to discuss approval on over ticket limit invoices.

OTHER DUTIES

Accepts other duties assigned

COMPETENICIES

• Excellent interpersonal skills
• Patience and willingness to help others in solving problems while maintaining a positive attitude
• Strong communication, problem solving, decision making and negotiation skills
• Strong analytical skills
• Strong computer skills with experience using Microsoft Excel
• Strong organizational skills
• Ability to plan and organize workflow

QUALIFICATIONS AND EDUCATION REQUIREMENTS

EDUCATION

• Bachelor’s Degree in finance, business, or related field preferred but not required

EXPERIENCE

• Factoring experience preferred
• Minimum of 3 years of experience in credit analysis

KNOWLEDGE

• Strong communication, problem solving, decision making, and negotiation skills
• Working knowledge of business and personal credit reports
• Working knowledge of Microsoft Office Products – Word, EXCEL, Outlook

WORKING CONDITIONS

Office environment; secure, comfortable working conditions.

ADDITIONAL COMMENTS

The aforementioned description of general job responsibilities in no way constitutes a contract of employment, nor should it be considered an all-inclusive.  Management has the right to alter duties based on current company situations and/or projects that require special assistance.  Position may be responsible for performing other duties as assigned.