Sr. Credit Analyst

About Millennium Bank

At Millennium Bank, we believe banking is about more than transactions—it’s about relationships. Founded on a personalized, community-focused approach to banking, we are proud to serve businesses, families, and communities across Tennessee, Florida, and Georgia. Our team takes the time to understand our customers and provide thoughtful financial solutions that help them succeed.

About the Position

We are seeking an experienced Credit Analyst that will be responsible for evaluating the creditworthiness of consumer/commercial borrowers, prepares underwriting packages, and recommends loan structures that balance growth with sound risk management.

Key Responsibilities

• Analyzes financial statements, tax returns, cash flow, collateral, and other financial information to evaluate borrowers' financial condition, repayment capacity, and overall creditworthiness.
• Prepares comprehensive credit memorandums, including financial analysis, risk assessments, loan structure, pricing, collateral, and covenant recommendations for loan approval.
• Evaluates new credit requests, renewals, extensions, and modifications to ensure appropriate loan structures and adherence to the Bank's lending standards.
• Reviews and recommends appropriate credit risk ratings based on borrowers' financial performance, repayment capacity, and identified risk factors.
• Monitors the commercial loan portfolio through annual reviews, financial statement analysis, covenant compliance, and identification of emerging credit weaknesses or deteriorating credit relationships.

Education, Qualifications, Training

• Bachelor's degree in finance, accounting, or economics. An MBA or CFA is a plus.
• 4–7 years of commercial credit analysis experience, ideally including formal credit training.
• Strong command of financial modeling, global cash flow analysis, and loan documentation.
• Clear writing, sound judgment, and the ability to manage multiple deadlines.
• Proficient in underwriting commercial real estate, C\&I, or small business lending.

Benefits

• Health, Dental \& Vision Insurance
• Company-Paid Life \& AD\&D Insurance
• Company-Paid Short-Term \& Long-Term Disability
• 401(k) with Employer Matching
• Employee Assistance Program (EAP)
• Generous Paid Time Off
• Up to 11 Paid Holidays

Join Our Team

If you are a detail-oriented and analytical professional who enjoys evaluating financial information, assessing credit risk, and supporting sound lending decisions, we invite you to explore the opportunity to join our Team.

We are an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation or protected veteran status.”

All candidates must satisfy a background screening including credit history, drug screen, and criminal records.