Analyst underwriting

Ciera Bank; Fort Worth (TX); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Medical/Dental/Vision Insurance

Flexible Spending Account

401(k) or ROTH with Company Match

Employer Paid Life/Disability/Dep Life

PTO Benefits w/Paid Holidays

Incentive Award/Bonus Program

Monthly Gym Allowance

Tuition Reimbursement Program

Continuing Education/Training and Dev

Free Checking/Savings Accounts

Annual Company Apparel Allowance

Job summary

Ciera Bank in Fort Worth seeks a full-time Analyst-Underwriting to perform analysis for commercial loan underwriting. The role includes compiling credit data, evaluating financials, and generating memos for loan committees.

Training and growth opportunities are highlighted along with competitive benefits. Ideal candidates hold an undergraduate finance/accounting degree and demonstrate strong analytical and Excel skills, plus the ability to work under deadlines and collaborate with loan officers

Qualifications

• Undergraduate degree in finance, accounting, real-estate or business-related field required.
• Strong analytical and presentation skills with ability to communicate findings clearly.
• Advanced computer skills including Microsoft Word and Excel; ability to analyze financial statements.

Responsibilities

• Spread and analyze credit data, tax returns and financial statements to determine risk in loan decisions.
• Generate financial ratios and trend analyses using bank systems to evaluate borrowers' status.
• Perform market research to identify factors affecting repayment ability.
• Prepare loan memos and summaries for loan committee approvals.
• Interact with loan officers, appraisers and third parties to facilitate credit extension.
• Review third-party reports for due diligence and valuation considerations.
• Prepare internal real estate property evaluations.
• Track loan workflow and maintain organized file retention.

Skills

Analytical skills

Financial analysis

Presentation skills

Multi-tasking

Interpersonal skills

Excel proficiency

Education

Finance/Accounting/Real estate degree

Tools

Microsoft Excel

Bank systems

Microsoft Word

Job description

Ciera Bank has been serving Texas Communities since 1890 and we now have 8 locations. We’re looking for a full-time Analyst-Underwriting position at our Fort Worth location. This is a position primarily responsible for performing analysis used in underwriting of commercial loans.

We do offer a competitive hourly rate (based on experience) with a multitude of benefits and a generous PTO schedule. We will provide training and support to help you succeed in your role and provide you with opportunities to advance your career. At Ciera Bank, we consider our employees to be one of our most valuable resources.

Competitive Benefits

• Medical/Dental/Vision Insurance


• Flexible Spending Account


• 401(k) or ROTH with Company Match


• Employer Paid Life/Disability/Dependent Life Insurance


• PTO Benefits w/Paid Holidays


• Incentive Award/Bonus Program


• Monthly Gym Allowance


• Tuition Reimbursement Program


• Continuing Education/Training and Development Opportunities


• Free Checking/Savings Accounts


• Annual Company Apparel Allowance

ESSENTIAL FUNCTIONS (of Analyst-Underwriting)

• Spread and analyze credit data, tax returns and financial statements to determine the degree of risk involved in renewing or modifying existing loans or extending new loans.


• Generate financial ratios and trend analyses using banks systems to evaluate customers financial status and payback ability.


• Perform market research using industry data to determine any potential factors that could affect the customers ability to repay.


• Prepare memos including credit analysis and summaries of loan requests, and submit to loan committees in a timely manner for approval.


• Interact with loan officers, appraisers, and other third-parties to facilitate the extension of credit and perform due diligence.


• Engage and review third-party reports for due diligence regarding valuation, environmental hazards, or construction risk.


• Prepare internal evaluations of real estate properties.


• Track and update banks loan workflow system as the loan moves through the underwriting process.


• Maintains accurate file organization and retention to increase efficiencies.

KNOWLEDGE, SKILLS and ABILITIES (of Analyst-Underwriting)

• Undergraduate degree in finance, accounting, real-estate or business-related field required.


• Related coursework and/or professional experience in financial, accounting or business field a plus.


• Advanced analytical skills written, oral, and interpersonal skills with ability to prepare and perform presentations.


• Advanced computer skills including Microsoft Word and Excel.


• In-depth knowledge of accounting principles with ability to prepare and analyze financial statements.


• Ability to articulate the strengths, weaknesses and issues related to a transaction, in both written and oral presentations.


• Ability to multi-task and work well under pressure and with exacting deadlines.


• Basic knowledge of real estate fundamentals.

PHYSICAL DEMANDS (of Analyst-Underwriting)

Work involves standing and walking for brief periods of time, but most duties are performed from a seated position. There is potential for eyestrain from reading detailed printouts and computer screen. Deadlines, workloads during peak periods and pressure may cause increased stress levels. Work may include occasional pushing, pulling, or carrying objects weighing up to 20 pounds such as files, documents, and computer printouts. Work normally requires finger dexterity and eye-hand coordination to operate computer keyboard at an advanced skill level.

WORKING RELATIONSHIPS/CONTACTS (of Analyst-Underwriting)

• Internal - Any other bank employees, as necessary to fulfill job requirements.


• External - contact with borrowers, auditors, regulators, appraisers, environmental professionals.


• Supervision of Other - No direct supervision of others.