Commercial Lending Analyst – Growth & Credit

Southside Bank; Austin (TX); On-site; USD 65,000 - 90,000; Full time

Job summary

Southside Bank in Austin, TX seeks a Full Time Professional to support commercial lending activities in line with bank policies. You will assist in developing new commercial relationships and maintaining existing ones through credit analysis, portfolio management, and related duties.

Responsibilities include prospecting for clients, marketing bank products, preparing credit prescreens, and participating in loan committee discussions. Strong analytical and communication skills are essential.

Qualifications

• Four-year college degree; or one to four years related experience and/or training; or equivalent combination of education and experience.
• Ability to read, analyze and interpret general business periodicals, professional journals, technical procedures or governmental regulations.
• Ability to write information and respond to questions from groups of managers, clients, customers, and the general public.
• Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume.
• Ability to apply concepts of basic algebra and geometry.
• Ability to define problems; collect data, establish facts, and draw valid conclusions.
• Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
• Proficient personal computer skills including electronic mail, record-keeping, routine database activity, word processing, spreadsheet, graphics, etc.
• Handle multiple projects simultaneously.
• Prioritize, organize and delegate assignments.

Responsibilities

• Assist in commercial customer development and maintain existing Bank relationships.
• Market Bank products and services and joint sales calls with Bank partners in treasury, mortgage, retail, wealth management, and investments.
• Develop centers-of-influence in the market to drive opportunities to the Bank.
• Attend weekly Director’s Loan Committee meetings and/or monthly Asset/Liability Committee meetings when requested.
• Perform preliminary evaluation of credit requests and prepare prescreens for presentation to credit team.
• Commercial real estate lending maintenance related to past due accounts, covenant monitoring, and advancement of funds.
• Participates in formulation of credit structuring and development of term sheets.
• Manages assigned credits as required.
• Investment and working capital lending maintenance.
• Customer service across the loan portfolio.
• Attends Bank networking events and Bank-wide sponsorship functions.
• Professional representation of the Bank in public, social, and civic gatherings.
• Remains current on regulations, analysis and current trends in banking through continuing education classes/seminars.
• Assists in commercial bank recruiting efforts with local universities for internships and credit analyst.
• Maintains confidentiality of all sensitive Bank information.
• Maintains a positive and caring atmosphere for customers and employees consistent with Southside Bank’s mission, CORE Values, and Blue Book culture guide.
• Provides enthusiastic, professional, and courteous service to Southside Bank customers and employees.
• Participates in proactive team efforts to achieve departmental and company goals.
• Understands and agrees to abide by the policies and procedures established at Southside Bank.
• Responsible for complying with audit policies and procedures as they pertain to this position.
• Performs duties in compliance with applicable laws and regulations, including but not limited to the Bank Secrecy Act (BSA) and related anti-money laundering laws, and in accordance with the Bank’s Information Security Program.
• Must comply with all applicable laws and regulations.

Skills

Read and interpret business periodics

Written communication

Financial calculation

Algebra and geometry concepts

Problem solving

Technical instruction interpretation

PC skills (email, records, databases,文

Multitasking

Prioritization and delegation

Education

Four-year college degree; or 1–4 years related experience

Job description

Southside Bank in Austin, TX seeks a Full Time Professional to support commercial lending activities in line with bank policies. You will assist in developing new commercial relationships and maintaining existing ones through credit analysis, portfolio management, and related duties.

Responsibilities include prospecting for clients, marketing bank products, preparing credit prescreens, and participating in loan committee discussions. Strong analytical and communication skills are essential.