Capital Markets Credit Analyst

Summary
The Capital Markets Credit Analyst is responsible for evaluating the creditworthiness of entities involved in capital markets transactions. This role involves analyzing financial statements, market trends, and economic conditions to assess risk and make recommendations on credit decisions.
Responsibilities/Duties
Credit Analysis: Evaluate the financial condition of companies to determine their ability to repay debt and withstand financial adversity. Including the following:
- Analysis of accountant prepared financial statements and audited financial statements
- Ability to spread historical financial information to detect trends and make projections
- Assess the company's ability to meet short-term obligations using working capital and current ratio calculations
- Assess the company's solvency or leverage ratios using funded debt to capital ratio, etc.
- Assess the company's ability to generate sufficient ne t income to service capital debt
- Prepare detailed credit reports for loan approval committees, outlining the risks and merits of proposed transactions.
- Manage competing deadlines for purchased participations or syndicated credit facilities in a high-pressure work environment, requiring strong attention to detail and the ability to notice discrepancies in data
Legal Documentation: Understanding various legal documents such as loan agreements, security agreements, and compliance certificates.
Market Trends: Monitor industry trends, economic indicators, and market trends that could impact credit risk to the Capital Markets loan portfolio. Conduct in-depth analysis of specific industry sectors to identify trends and potential risks
Education/Experience/Knowledge
- Bachelor's degree in Accounting, Finance, Economics or related field. Advanced degrees or certifications are preferred.
- 3-5 years of experience in credit analysis, financial anal ysis, credit risk, or related fields
Required Skills/Abilities
- Strong analysis, judgment, and communication (oral and written) skills.
- Strong quantitative and qualitative analysis skills.
- Excellent communication and presentation skills.
- Knowledge of financial markets and instruments.
Benefits of being part of the First South team include:
- Competitive pay
- Personal development
- Paid vacation, sick leave, and holidays
- Medical insurance
- Dental and vision care
- Flexible spending accounts
- Health savings accounts
- 401(k) with employer matching
- Disability and life insurance
- Incentive plan