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JOB FUNCTION / SUMMARY:
The Senior Credit Analyst assists the bank in maintaining credit quality by underwriting complex commercial loan requests, training and developing department personnel, supporting portfolio and relationship managers, and managing workflow of the credit analysis staff.
ESSENTIAL DUTIES & RESPONSIBILITIES:
- Independently prepares credit packages for specialized or highly complex commercial loan requests.
- Prepares various reports including concentration reports, committed/unfunded reports and total exposure reporting, etc. and presents the information to appropriate committee.
- Performs structured financial analysis of customer financial statements and related material.
- Prepares financial statement pro forma analyses when requested by loan officers.
- Acts as an advisor to lines of business with regard to specialized portfolios and segment information.
- Works with management on special projects, providing recommendations and suggestions on presentation formats and content.
- Gathers information and prepares reports regarding exposure in the loan portfolio as needed by management and presents the information to appropriate committee.
- Acts as secretary to committees such as Wholesale Credit Admin. Comm., Consumer Finance Credit Administration Committee, Mortgage Loan Credit Administration Committee.
SUPERVISORY RESPONSIBILITIES:
May supervise day-to-day work of Credit Analyst, Financial Statement Specialist, and Intern positions, but not considered a formal management role.
MINIMUM REQUIRED EDUCATION, EXPERIENCE & KNOWLEDGE:
- Bachelor's degree required, Business Administration or Finance preferred.
- 18 months of related experience required.
- Formal training program completion or demonstrated ability and experience in analyzing complex credit transactions.
- Ability to read, analyze and interpret general business periodicals, professional journals, technical procedures or governmental regulations; Ability to write reports, business correspondence and procedure manuals; Ability to effectively present information and respond to questions from groups of managers, clients, and customers.
- Ability to work with mathematical concepts such as probability and statistical inference; Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
- Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists; Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
- Experience with various Microsoft Professional Office software; Mastery of financial statement spreading software.
ESSENTIAL MENTAL & PHYSICAL REQUIREMENTS:
- Ability to travel if required to perform the essential job functions
- Ability to work under stress and meet deadlines
- Ability to operate related equipment to perform the essential job functions
- Ability to read and interpret a document if required to perform the essential job functions
- Ability to lift/move/carry approximately 10 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an “undue hardship” then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.
Equal Opportunity/Affirmative Action Employers. All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws.
Skills Required
- Bachelor's degree
- Degree in Business Administration or Finance
- 18 months of related experience
- Completion of formal training program or demonstrated experience analyzing complex credit transactions
- Strong written and verbal communication skills; ability to prepare reports and present to groups
- Ability to work with mathematical concepts including probability, statistics, ratios, and proportions
- Problem solving with limited standardization; ability to interpret varied instructions
- Experience with Microsoft Office software
- Mastery of financial statement spreading software
Hancock Whitney Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Hancock Whitney and has not been reviewed or approved by Hancock Whitney.
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Healthcare Strength — Core coverage includes medical, dental, vision, telehealth, and FSAs, with options such as a PPO and a CDHP. The CDHP includes company HSA contributions, and multiple comments characterize medical coverage as good or worth the premium.
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Retirement Support — A 401(k) offers a company match plus an additional employer contribution, with a true-up and an ESPP available. This structure is presented as competitive for a regional bank.
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Leave & Time Off Breadth — Time away includes vacation, sick leave, volunteer time, and bonding leave for birth/adoption/foster placement. The program outlines 11 paid holidays and front-loaded sick time, with vacation accruals that increase by role/tenure.
Hancock Whitney Insights
What We Do
We create opportunities for our clients and the communities we serve. We offer a wide array of banking and financial services at locations in Alabama, Florida, Louisiana, Mississippi and Texas. Through a steadfast commitment to our century-old core values we’ve created a company culture built around respect, diversity and teamwork that recently landed Hancock Whitney on Forbes’ list of America’s Best Midsize Employers. Our core values are lived out by the actions of our associates throughout our footprint. Commitment to service is not just something that we say on a poster. Its lived out in the actions of the women and men that seek to provide exceptional service every day in our local communities.
