**Credit Analyst** **Job Details** **Description** **This position will either be located in Knoxville or Chattanooga, depending on the where candidate selected is located geographically.** **BASIC FUNCTION:** Review, analyze and document customer financial condition and repayment capacity. **ESSENTIAL FUNCTIONS:** + Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money. + Analyze customer financial statements. + Prepare reports that discuss the degree of risk involved in extending credit. + Complete credit analyses, summarize requests, and submit to approving officer. + Generate financial ratios to analyze profitability trends. + Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations. + Consult with customers, accountants, and other professionals to verify financial and credit information. + Participate in major department projects and take an active role in cross-functional teams to assist in driving quality improvements, processes, and initiatives. + Actively participate and communicate in team-based work groups that make up Credit Department. **SKILLS, KNOWLEDGE, AND TRAINING:** + Organizational and Research skills + Good communication skills to convey information effectively + Detail orientated + Flexibility and ability to multi-task + Critical thinking + Basic accounting and finance principles in the interpretation of customer financial statements. + Effective business writing and professional communication. **WORKING CONDITIONS:** + Sitting for long periods of time + Lift 10-20lbs periodically + Periodic travel **REQUIREMENTS:** + Bachelors degree in Accounting/Finance preferred. + 3-5 years experience in Financial Analysis preferred. + 1-2 years knowledge with computer technology including, but not limited to Microsoft Office, Word, Excel, Power Point, E-Mail, and internet navigation. + Maintain up-to-date knowledge of and adhere to all state and federal regulations that pertain to this position including but not limited to Bank Secrecy Act, Consumer Privacy and Fair Lending. + Working knowledge of state and federal regulations including but not limited to Bank Secrecy Act, Consumer Privacy and Fair Lending along with industry best practices that pertain to this position. SouthEast Bank is an equal opportunity employer. It is our policy to treat all individuals equally, regardless of race, color, religion, sex, gender, national origin, disability, age, genetic information, sexual orientation, transgender/gender identity, sexual preference, or service in the armed forces.