Middle Market Credit Analyst

SouthState Bank

Middle Market Credit Analyst evaluating borrower creditworthiness for loan decisions at SouthState. Analyze financial statements and support Portfolio Managers in mitigating credit risk.

Posted 7/14/2026full-timeCharlotte • North Carolina • 🇺🇸 United StatesJuniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit analysis and financial evaluation, with a strong understanding of financial statements and cash flow analysis. Capable of collaborating effectively with cross-functional teams to support informed credit decisions.

Highest-signal resume keywords

Credit AnalysisFinancial Statement EvaluationRisk AssessmentMicrosoft Excel ProficiencyDetail-Oriented

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit AnalysisFinancial Statement EvaluationCash Flow AnalysisCredit Risk AssessmentLoan Decision Recommendations

Soft Skills

Excellent Communication SkillsOrganizational AbilitiesTime ManagementCollaborationIndependence

Tools & Technologies

Microsoft ExcelMicrosoft WordFinancial Analysis Software

Industry Keywords

BankingFinancial ServicesCreditworthinessLoan RelationshipsCompliance

About the role

Key responsibilities & impact

Support Portfolio Managers in evaluating the creditworthiness of borrowers.
Analyze financial statements and prepare detailed credit write-ups and recommendations for loan decisions.
Monitor and review existing loan relationships for performance and compliance.
Conduct thorough financial analysis of commercial loan applicants.
Assess credit risk and identify key financial, operational, and industry factors affecting repayment ability.
Collaborate with Bankers, PMs, and Credit Officers to support credit decisions.

Requirements

What you’ll need

Bachelor’s degree in Finance, Accounting, Economics, or a related field
1+ years of experience in credit analysis, banking, or financial services preferred.
Understanding of financial statements, accounting principles, and cash flow analysis.
Excellent written and verbal communication skills.
Detail-oriented with strong organizational and time-management abilities.
Ability to handle and prioritize multiple tasks.
Ability to work independently and collaboratively in a fast-paced environment.
Proficiency in Microsoft Excel, Word, and financial analysis software.

Benefits

Comp & perks

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.