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Credit Analyst

We’re looking for professionals who believe great banking starts with trust, responsiveness, and personal relationships.

Title: Credit Analyst
FLSA Status: Exempt
Employment Type: Full-Time
Reports To: Chief Lending Officer (CLO)
Location: Branch-based (Downtown Alpharetta / North Fulton)

Position Summary

This role is responsible for analyzing financial statements, cash flows, and credit histories to assess the creditworthiness of commercial and consumer borrowers. The Credit Analyst will prepare written credit memoranda, support loan structuring, and recommend credit limits and terms in line with bank policies and regulatory guidelines. Day-to-day responsibilities include monitoring existing credit exposures, tracking portfolio performance, updating risk ratings, and collaborating with relationship managers to support sound lending decisions. The role also involves clear communication of credit findings, participation in credit committee discussions, and adherence to internal risk management and compliance standards.

Essential Duties and Responsibilities

Analyze personal and company financial statements, credit history, collateral, and other factors to evaluate the creditworthiness of borrowers.
Prepare financial spreads and credit memos for prospective commercial loans.
Compile and review market data.
Support execution of the Company Business Plan.
Represent the bank in community activities, fostering relationships with civic organizations, nonprofits, and local leaders.

Secondary Duties

Performs duties specific to the position and other assigned functions.

Environment and Physical Activity

The Credit Analyst is a full-time, hybrid role based in Alpharetta, GA, with a mix of in-office and potential work-from-home flexibility.

The incumbent is in a non-confined office type setting in which he or she is free to move about at will. Limited travel could be required all within the bank’s service area. The

incumbent while performing this position spends time writing, typing, speaking, listening, and lifting/carrying up to 25 pounds.

The incumbent for this position may operate any or all of the following: telephone, smart phone, copy and fax machines, adding machine (calculator), check protector, scanner and image systems, scanning equipment, encoder, money counter, credit card terminal, typewriter, computer terminal, laptop computer, personal computer, tablet, printers, or other equipment as directed.

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

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

Minimum Requirements and Skills

The qualifications listed below are intended as general guidelines and represent the minimum education, experience, knowledge, skills, and abilities typically required to successfully perform this role. Equivalent combinations of education, experience, and demonstrated capabilities may also be considered.

Education

Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or a related field required.
Advanced coursework, professional certifications, or specialized training in credit analysis, risk management, or commercial lending are preferred.

Experience and Technical Qualifications

Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or a related field required.
Advanced coursework, professional certifications, or specialized training in credit analysis, risk management, or commercial lending are preferred.

Dependability and Accountability

Demonstrates a high level of reliability, accountability, and professionalism in daily responsibilities.
Maintains a strong work ethic through consistent performance, sound judgment, and attention to detail.
Upholds the highest standards of integrity, fairness, and ethical conduct in all interactions and decision-making.

Customer Service and Professionalism

Exhibits professional expertise, communication, appearance, and conduct while representing the Bank.
Delivers exceptional service to both internal and external customers and is committed to building and maintaining strong client relationships.
Supports and promotes the Bank’s mission, values, and service standards in every interaction.
Responds promptly to customer and employee inquiries and maintains effective communication practices.
Safeguards confidential customer and business information at all times.

Teamwork and Collaboration

Builds and maintains positive working relationships across departments and levels of the organization.
Demonstrates strong listening skills, seeks clarification when needed, and communicates effectively with colleagues and stakeholders.
Embraces collaboration, innovation, and continuous improvement while contributing to departmental and organizational goals.
Treats others with respect, responsiveness, and professionalism.

Results Orientation

Demonstrates a high degree of integrity, organization, and attention to detail while managing multiple priorities in a fast-paced environment.
Effectively plans, prioritizes, and utilizes time, technology, and resources to achieve desired outcomes.
Takes ownership of responsibilities and consistently meets quality, productivity, and service expectations.
Adapts priorities and reallocates resources as business needs evolve.
Possesses the ability to effectively present, support, and service Bank products and solutions while contributing to overall organizational success.

Competency and Adaptability

Performs duties in accordance with Bank policies, procedures, and all applicable laws and regulations.
Maintains current knowledge of industry regulations and compliance requirements relevant to the position.
Demonstrates a commitment to ongoing professional development and continuous learning.
Successfully manages competing priorities and readily adapts to changing business needs and processes.
Takes initiative, accepts accountability, and proactively identifies and implements solutions when challenges arise.

Communication and Interpersonal Skills

Demonstrates strong interpersonal skills, emotional intelligence, and professionalism in all interactions.
Effectively manages conflict and fosters productive working relationships.
Possesses excellent verbal and written communication skills, including the ability to prepare clear, concise credit memoranda and present recommendations to management and other stakeholders.
Communicates complex financial information in a manner that is accurate, organized, and easily understood.

Interested in Joining First City Bank?

If our approach to banking aligns with your values, we’d love to learn more about you.