Bank Credit Analyst (Part-time)

Cornerstone-Capital-Bank; Lubbock (TX); Vor Ort; USD 55.000 - 75.000; Vollzeit

Benefits dieser Stelle

Competitive salary

Full benefits package

Bonus potential

Zusammenfassung

Cornerstone Capital Bancorp, Inc., headquartered in Houston, Texas, is seeking a Credit Analyst to evaluate financial condition of individuals and businesses applying for lending. You will determine risk, prepare reports, and ensure compliance with regulations while prioritizing loan requests.

The role requires a Bachelor’s Degree or equivalent work experience and at least 1+ year of progressive credit experience.

Qualifikationen

• Demonstrate ethical character and judgement with attention to respect, commitment, integrity, values and confidential boundaries
• Excellent time management and organizational skills
• Ability to work independently and prioritize tasks
• Reliability with regular attendance and punctuality
• Strong communication and interpersonal skills
• Analytical mindset with creative thinking
• Professional demeanor and positive attitude
• Bachelor’s Degree or equivalent work experience
• 1+ years of progressive credit experience

Aufgaben

• Analyze credit data and financial statements of individuals or businesses to identify risk level
• Compare financial data to similar businesses in terms of liquidity, profitability and credit histories
• Compile information, complete loan applications, and prepare reports on risk and make recommendations
• Ensure loan requests are prioritized and deadlines are met
• Prepare and present credit reports
• Provide accurate information and sound judgment on credit worthiness
• Ensure loans comply with federal, state and local regulations
• Participate in community activities to promote the organization
• Represent the bank professionally during and outside office hours
• Demonstrate flexibility to perform other duties as assigned

Kenntnisse

Credit analysis

Analytical thinking

Time management

Communication skills

Confidentiality

Ausbildung

Bachelor’s Degree in related field or equivalent work experience

Jobbeschreibung

Cornerstone Capital Bancorp, Inc., headquartered in Houston, is aTexas-basedfinancial services company dedicated to helping families, businesses, and communities thrive. Throughitsprimary subsidiary, Cornerstone Capital Bank, the organizationoperatesa community and business banking franchise alongside a premier national home lending, servicing, and home insuranceplatform-basedfinancial services company dedicated to helping families, businesses, and communities thrive.

Guided by a core Mission, Vision and Convictions statement,Cornerstoneoperates17full-servicebanking locations across major Texas markets andmore than 150mortgage offices nationwide.The companyhas servednearly700,000customersthrough its family of brands, including Cornerstone Home Lending, Roscoe Bank, Peoples Bank, Cornerstone Servicing, and Cornerstone Insurance. Supported by 1,600 team members,Cornerstoneis consistently recognized as a Fortune-certified Great Place to Work® and a Top Workplace.

Formed through the combination of Cornerstone Home Lending and The Roscoe State Bank, Cornerstone brings more than a century of experience and is thehighest-capitalizednew bank in Texas history.

We honorGodby using our talents to make apositive differencein the lives of our Team Members, Clients, Shareholders, Communities, and the People who provide services to us.

Who we are lookingfor:
The Credit Analyst will evaluate the financial condition of individuals and businesses applying for lending credit with the financial institution to determine the risk involved.

What you’ll do:

• Analyze credit data and financial statements of individuals or businesses to identify the degree of risk involved in lending money or extending credit
• Compare financial data to similar businesses in terms of liquidity, profitability and credit histories
• Compile information, complete loan applications, and compose reports detailing the degree of risk involved in the loan or credit request and make recommendations
• Ensure loan requests are prioritized and deadlines are consistently met
• Prepare and present credit reports
• Provide accurate information and sound judgment on the credit worthiness of assigned accounts
• Ensure all loans are made in adherence with federal, state and local financial regulations
• Participates in community activities to promote the organization
• Represent the bank in a professional manner during and outside of office hours
• Demonstrate flexibility to perform every other duty as assigned

What you’ll need to be successful:

Success in this job relies on your time management skills, organization, and positive attitude. In addition, you’ll need the following qualifications:

• Demonstrate ethical character and judgement with attention to respect, commitment, integrity, values and confidential boundaries
• Ability to remain calm and focused in stressful situations
• Must be a self-starter and able to work independently possessing good effective time management skills and ability to organize and prioritize
• Highly reliable with the ability to maintain regular attendance and punctuality
• Sensitivity to confidential information is required
• Superb communication and interpersonal skills
• Must be analytical and have creative thinking
• Must be approachable and present a positive attitude
• Represent the bank in a professional manner during and outside of office hours
• Bachelor’s Degree in related field or equivalent work experience
• 1+ years of progressive credit experience

What we offer:

Because we recognize and reward hard work, we offer a competitive salary, a full benefits package, and the potential for a performance-based bonus.

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.