Credit Analyst

Job Summary:Credit Analyst

The Credit Analyst is responsible for proactively engaging with customers to understand their financial goals and provide personalized banking solutions. This role involves building, expanding, and retaining client relationships while delivering an exceptional customer experience. Relationship Bankers assess financial needs, recommend suitable bank products and services, and support clients in achieving their current and future financial goals. They also market Simmons solutions to both existing and prospective clients through in-person interactions, outbound calls, business visits, networking events, and periodic 'At Work' events.

Crucial Duties and Responsibilities:

• Inform and guide customers on the full range of bank services, including in-branch, digital, and partner-provided resources
• Meet individual targets through in-person and outbound calling activities to present solutions and recommendations based on a needs-focused philosophy
• Manage account-related tasks, including opening and closing accounts, assisting customers in selecting accounts, performing account research, and ensuring BSA and CIP compliance
• Facilitate consumer loan requests, stay current on loan policies and procedures, and assist in managing branch loan portfolios
• Identify customer needs and refer them to partner-focused teams serving small businesses, corporate clients, financial advisors, and mortgage professionals
• Ensure high customer satisfaction by actively engaging with clients and delivering an exceptional customer service experience
• Ensure departmental tasks and documentation comply with all laws, regulations, policies, and procedures, including required compliance training
• Process customer requests and transactions accurately and professionally while engaging in meaningful conversations to recommend appropriate solutions
• Perform additional responsibilities as assigned

Qualifications:

• Ability to motivate and effectively communicate in one-on-one and small group settings with customers, clients, and colleagues
• Team-oriented mindset to collectively address customer needs in a fast-paced banking environment
• Supervise and guide branch staff according to process and protocol in the AFCM's absence
• HS Diploma/GED
• Minimum of 1 year of customer-facing experience with a focus on achieving objectives
• Registration with the National Mortgage Licensing System and Registry (NMLS) is required
• Proficiency in MS Office programs
• Utilize social media platforms to promote brand recognition and gain market insights
• Periodic travel for meetings, training, and assisting in bank conversions and acquisitions with minimal overnight or out-of-town obligations
• Ability to provide guidance and support to other banking institutions within the market

Equal Employment Opportunity:

Simmons First National Corporation and its subsidiaries are committed to providing equal employment opportunities for all individuals, without regard to 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.

About Simmons Bank: Simmons Bank is a dynamic regional community bank offering comprehensive financial services to meet the unique needs of its customers. We empower our associates to be trusted advisors while delivering the resources of a traditional bank supported by innovative technology. Simmons Bank is passionate about guiding customers through each stage of their financial journey, providing choice, flexibility, and exceptional service.

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