Bank Credit Analyst (Part-time)

Cornerstone Capital Bank; Lubbock (TX); Vor Ort; USD 55.000 - 85.000; Vollzeit

Benefits dieser Stelle

Full benefits package

Performance-based bonus

Zusammenfassung

Cornerstone Capital Bancorp, Inc. seeks a Credit Analyst to evaluate borrower financials and determine risk for lending decisions. You will compile reports, analyze statements, and present recommendations to ensure compliance and timely processing.

The role requires a degree or equivalent credit experience, strong analytical能力, and excellent communication. A professional demeanor and confidentiality are essential, with representation of the bank in various settings.

Qualifikationen

• Bachelor’s degree or equivalent work experience required.
• 1+ years of progressive credit experience.
• Strong analytical and critical thinking skills.
• Excellent communication and interpersonal skills.
• Ability to maintain confidentiality and exercise sound judgment.

Aufgaben

• Evaluate the financial condition of borrowers and assess risk.
• Analyze credit data and financial statements to identify risk.
• Prepare loan applications and credit reports.
• Ensure loan requests meet regulatory requirements.
• Prioritize requests and meet deadlines.
• Represent the bank professionally in and out of office hours.

Kenntnisse

Analytical thinking

Time management

Communication skills

Ethical judgment

Confidentiality

Independent work

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.