Credit Analyst II

Simmons Bank

Credit Analyst II providing analytical support for commercial banking. Analyzing credit data and financial statements to assess risk for loan approvals.

Posted 6/5/2026full-timeJackson • Montana, Tennessee • 🇺🇸 United StatesMid-LevelSeniorWebsite

About the role

Key responsibilities & impact

Provides analytical support for commercial banking, including an independent analysis of creditworthiness of customers and prospects
Analyzes current credit data, financial statements, and necessary due diligence data of individuals or companies to determine the degree of risk involved in extending credit or lending money
Prepares reports with the credit information for use in decision making of concurring approvers
Responsible for preparing basis and comprehensive credit analyses on commercial loans that facilitate the credit approval process
Thoroughly analyzes commercial credits exceeding $1.5 million in total credit exposure to the Bank
Analyzes financial statements and related materials, prepares summaries, and presents facts regarding creditworthiness
Analyzes factors such as income growth, margins, trends, quality of management, market shares, potential risks of industry and collateral appraisals
Prepares credit and cash flow analyses; submits credit approval documents to appropriate personnel
Monitors compliance with loan agreements
Provides support of loan officers through financial statement spreading and analysis of new loan requests
Participates in deal discussion meetings between lending personnel and appropriate credit officers
Ensures departmental documents and activities are compliant with applicable laws and regulations.

Requirements

What you’ll need

BS/BA Degree in Business, Accounting, Finance or a related field is required, and 3-5 years’ work related experience and / or training preferred
Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures or governmental regulations
Ability to write reports, business correspondence, and procedures manuals
Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public
Ability to solve practical problems and deals 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.

Benefits

Comp & perks

Equal Employment Opportunity Information: Simmons First National Corporation and its subsidiaries are committed to a policy of equal employment with respect to a person's race, color, religion, sex, ancestry, sexual orientation, gender identity, national origin, covered veterans, military status, physical or mental disability or any other legally protected classifications.

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Applicant Tracking System Keywords

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Hard Skills & Tools

credit analysisfinancial statement analysisrisk assessmentcreditworthiness evaluationcash flow analysisdue diligencecredit approval processcompliance monitoringfinancial modelingreport preparation

Soft Skills

analytical skillscommunication skillsproblem-solvingpresentation skillsinterpersonal skillsattention to detailorganizational skillsdecision-makingadaptabilityteam collaboration