Careers

Key Responsibilities of Credit Analyst I or II:

• Teams with commercial lenders and commercial credit staff to prepare and ensure accuracy of credit approval packages for new loan requests, renewals, and modifications.

• Spread, analyze, and interpret borrower/guarantor financial statements, while utilizing personal financial statements, personal tax returns, accountant prepared financial statements, company prepared financial statements and corporate tax returns.
• Completes an independent, in-depth review of financial statements for businesses and individuals, projections, and business plans; proactively identifies and mitigates key risks.
• Recommends and models appropriate loan structures and collateral based on risk assessment and PBAL Commercial Loan Policy.
• Analyzes individual and global company performance and the impact of industry, competitive, and economic dynamics and events on the creditworthiness of existing customers and prospects.
• Determines the appropriate risk rating for a company; proactively identifies risk rating changes.
• Aids in the timely ongoing periodic credit servicing and internal review of loans within the portfolio, including analyzing historical financial performance, performance vs. projections, covenant compliance, risk rating and any other significant risk drivers.
• Develops a strong working knowledge of and ensures compliance with internal commercial loan policy, credit risk management policy and external regulatory requirements; documents any exceptions to policy and related rationale/mitigants.
• Produces and distributes reports for senior management, as requested.
• Manages assigned loan requests through the underwriting and loan approval process.
• Performs other duties as assigned.

Candidate Qualifications:

• Bachelor’s or Master’s Degree in Business with a concentration in Accounting, Economics, or Finance.
• Completion of a major corporate credit training program or equivalent corporate banking/corporate finance experience desired
• 2-5 years of commercial credit experience desired
• Strong analytical and problem-solving skills
• Ability to demonstrate competence in following and executing defined processes, checklists and adherence to policy and procedures
• Excellent written and verbal communication skills
• Demonstrate good work ethic by being self-directed and motivated
• Strong interpersonal skills
• Possess a positive, flexible, and cooperative attitude and willingness to work within a small office environment
• Proficient in Microsoft Office product suite (i.e., Excel, Word, Outlook, etc.) and willingness to learn additional bank software programs. Experience with Jack Henry and Sageworks/Abrigo product suites is a strength.

Forward Resumes To:

PBAL Careers 1912 Cherokee Avenue SW Cullman, AL 35055

careers@peoplesbankal.com

256.737.7042

This position is an entry level position which allows the selected candidate to develop in the role of providing analytical underwriting support for the making of credit decisions.

Key Responsibilities of Credit Analyst:

• Spread, analyze, and interpret financial statements for borrowers and guarantors utilizing personal financial statements, personal tax returns, accountant prepared financial statements, company prepared financial statements, and corporate tax returns
• Conduct credit investigations for individuals and businesses, perform economic and industry analysis for borrowers, construct financial projections, and assess overall risk to maximize credit quality
• Determine appropriate collateral structure for various loan types and conduct collateral analysis to assess collateral quality and value
• Shadow commercial credit staff, commercial lenders, and various other departments to understand how a loan is originated, booked, and serviced
• Work with commercial credit staff, commercial lenders, and bank management to gain knowledge of appropriate loan structure and pricing based on risk assessment, PBAL Commercial Loan Policy, and Regulatory Guidelines
• Team with commercial lenders and commercial credit staff to prepare and ensure accuracy of loan packages that have been analyzed and assessed against PBAL Commercial Loan Policy, including credit workbook, credit memorandum, risk rating template, business financial spreads, personal financial statements, and other miscellaneous information
• Establish, maintain, and update borrower credit files as needed
• Perform other duties as assigned by manager

Candidate Qualifications:

• Bachelors’ Degree in Business with a concentration in Accounting, Economics, or Finance. Internship or part-time work experience in banking or related field a plus
• Recent college grad to 1 year of commercial credit experience desired
• Proficient in Microsoft Office product suite (i.e., Excel, Word, Outlook, etc.) and willingness to learn additional bank software programs
• Demonstrate good work ethic by being self-directed and motivated
• Effective written and verbal communication skills
• Strong interpersonal skills
• Ability to demonstrate competence in following and executing defined processes, checklists and adherence to policy and procedures
• Possess a positive, flexible, and cooperative attitude and willingness to work within a small office environment

Forward Resumes To:

PBAL Careers 1912 Cherokee Avenue SW Cullman, AL 35055

careers@peoplesbankal.com

256.737.7042

Qualified applicant will process a variety of routine financial transactions including check cashing, withdrawals, deposits, and loan payments. Prepares daily paperwork according to branch procedures, responsible for managing, balancing cash drawer. Requires a high school diploma or equivalent; one year of cash handling experience preferred. Opportunity for advancement.

Forward Resumes To:

PBAL Careers 1912 Cherokee Avenue SW Cullman, AL 35055

careers@peoplesbankal.com

256.737.7042

Peoples Bank of Alabama’s Mortgage Department is currently seeking a Mortgage Specialist for the Metro Central Region. Office is located at 1800 International Park Drive, Birmingham, AL. The successful candidate will serve in taking mortgage loan applications as well as soliciting, negotiating, and coordinating the closing documents of routine residential and consumer construction loans in compliance with the Bank’s policies, procedures and related laws and regulations. Candidate will promote quality mortgage loan customer service and related activities; engage in business development opportunities; develop good customer relationships; and market and cross sell other banking products. The position is responsible for attaining established individual, department, regional and Bank sales goals though active participation in sales management and officer call programs. Candidate will also maintain a professional atmosphere within the banking division. Requirements: High school diploma or 2-year certificate from college or technical school; or 4-year related experience and/or training; or the equivalent combination of education and experience. Work related experience should consist of a credit or loan processing background. Educational experience should be business or financial industry related.

Forward Resumes To:

PBAL Careers 1912 Cherokee Avenue SW Cullman, AL 35055

careers@peoplesbankal.com

256.737.7042