Job Application - Interstate Bank

Job Posting OPEN

CREDIT ANALYST

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This position is responsible for:

·         Conducts credit investigations, credit and loan analysis, underwriting and other documentation information pertaining to loan analysis

·         Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches

·         Analyzes financial statements and related material and makes recommendations for approvals of credits

·         Analyzes financial conditions and trends; reviews and reports non-compliance with loan covenants

·         Determines cash flow using appropriate tax analysis

·         Prepares summaries, presents facts, and offers opinions concerning credit-worthiness and any risk items or issues

·         Provides credit information and references for customers, loan officers, or other agencies as requested

·         Ensures that all credit files include current financial statements, agency reports, etc.

·         Make recommendations for loan structure

·         Maintains control over current accounts, noting payment progress, watching for any developing problems, and keep loan officers informed

·         Keeps abreast of all new credit regulations and laws and ensures compliance with such

·         May assist with projects as needed

 

Requirements for Application

·         Requires a Bachelor’s degree required in finance, business, accounting or relevant experience

·         2-5 years credit/financial analysis, lending, underwriting or other directly related experience

·         Basic working knowledge of financial and spread analysis, credit, lending and underwriting processes and principles

·         Experience working with various types of loans (i.e. commercial real estate, ag, oil and gas)

·         Basic working knowledge of credit risk, legal and regulatory requirements

·         An ability to work with all levels of our credit risk and lending officers

·         Has a strong sense of urgency and commitment to the loan growth goals

·         Solid client relationship and communication skills, both verbal and written

·         Ability to make sound decisions and recommendations regarding loans

·         Working knowledge of computer software programs (excel, word, etc)

 

Job Type: Full-time

Experience: Credit Analysis: 2 years (Required)

Education: Bachelor's (Preferred)

Location: Perryton, Texas