Job Posting CLOSED
CREDIT ANALYST
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This position is responsible for:
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Conducts credit investigations, credit and loan
analysis, underwriting and other documentation information pertaining to loan
analysis
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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
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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.
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Make recommendations for loan structure
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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
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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
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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
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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