Job Posting OPEN
CREDIT ANALYST
Scan With Your Phone To Apply!
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