Job Description

Level: Entry
Job Location: Rahling - Corporate HQ - Little Rock, AR 72211
Position Type: Full TimeEducation
Level: 4 Year Degree
Travel Percentage: None
Job Shift: Day
Job Category: BankingJob

Summary:
The Credit Analyst I provides support in determining the creditworthiness and risk profile of an individual or business by analyzing financial data and assisting in underwriting decisions. This entry-level role is designed to build foundational skills in financial analysis, risk assessment, and commercial lending practices. Under close supervision, the analyst contributes to the preparation of credit requests, renewals, and modifications, while developing a working knowledge of the Bank’s credit policies and procedures.
Primary Responsibilities:
The duties listed below are some of the duties that may be assigned and may not include all responsibilities that the person in this role may be asked to perform. The incumbent may be required to perform other related duties as assigned. Reasonable accommodations may be made to enable individuals with disabilities to perform essential job duties.
- Assisting with financial statement spreading and basic financial analysis.
- Prepare initial drafts of credit requests, renewals, and modifications under guidance.
- Support the completion of annual reviews and covenant tests.
- Conduct preliminary industry and client research to support credit decisions.
- Evaluating client financial status by producing financial ratios using spreadsheet software.
- Support risk assessments and provide analytical support in underwriting commercial credit facilities.
- Develop foundational knowledge in collateral valuation, including an understanding of appraisal reports, internal valuation processes, and environmental risk considerations.
- Assist with portfolio monitoring by performing covenant checks and annual reviews and contributing to risk assessment.
- Develop foundational knowledge of the Bank’s commercial loan policy, credit procedures, and risk frameworks.
- As skills develop, begin underwriting small, simple, or renewing credit facilities.
- Operates in a team-focused, deadline-driven environment with competing priorities.
- Works on projects of limited complexity in a support capacity.
- Receives close supervision and guidance from senior analysts and credit officers.
- Demonstrate an effective understanding of business, economic, and industry risk.

Supervisory Responsibilities:
- None.

QualificationsSkills and

Qualifications:
These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some variation from these guidelines:
- Entry-level position; candidate with six months of banking experience preferred.
- Bachelor’s degree in finance, accounting, economics, or a related field preferred; candidates with relevant coursework may also be considered.
- Familiarity with tax returns and compiled, reviewed, or audited financial statements is preferred.
- Basic proficiency in financial statements spreading using Moody’s or similar software.
- Strong proficiency in MS Office and general computer use.
- Ability to effectively manage competing deadlines in a high-pressure work environment, with varying degrees of supervision.
- Strong attention to detail and ability to notice discrepancies in financial data.
- Effective written and verbal communication skills.
Computer and Office Equipment Skills:
- Microsoft Office Suite, including Word, Excel, and PowerPoint
Physical Requirements:
The physical demands described here are representative of those that must be met to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential functions.
- While performing the duties of this job, this individual is regularly required to stand for long periods of time, walk, sit, talk, hear, use their hands and fingers (manual dexterity), use a telephone, and occasionally lift and /or move up to 25 pounds.
- Specific vision abilities required by this position include close vision and the ability to adjust focus.
Mental Requirements:
- The ability to solve problems, make decisions, interpret data, organize information, and communicate effectively in both written and oral form.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
Encore Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration without regard to race, color, religion, age, ancestry, citizenship, sex, sexual orientation, gender identity, national origin, marital status, genetic information, physical or mental disability, veteran status or any other characteristic protected by law.