Credit Analyst

Kleberg Bank; Corpus Christi (TX); On-site; USD 65,000 - 90,000; Full time

Job summary

Kleberg Bank in Corpus Christi, TX is seeking a Credit Analyst to evaluate credit data and financial information for applicants. You will determine loan risk and help set acceptable terms, including rates, for individuals and businesses.

The role requires a college degree in finance or accounting, strong written and verbal communication, and proficiency with Word, Excel and PowerPoint. You will support loan officers with timely, accurate analyses and assist in stress testing of the loan

Qualifications

• College degree in finance or accounting or equivalent.
• Excellent oral and written communication.
• Computer literacy in Microsoft Word, Excel, and PowerPoint.

Responsibilities

• Assist in loan portfolio credit decisions.
• Deliver detailed credit analysis for loan officers.
• Analyze loan data and credit reports for risk.
• Prepare financial spreadsheets and loan summaries.
• Support stress testing and regulatory compliance.

Skills

Credit analysis

Financial analysis

Education

Finance degree

Accounting degree

Tools

Microsoft Word

Excel

PowerPoint

Job description

Description

Job Summary

Kleberg Bank, N.A. believes that the customer’s experience is our Brand. Each individual at Kleberg Bank, N.A. is committed to providing “Excellent” customer service. The Credit Analyst is responsible for analyzing credit data and financial information of persons or companies that are applying for credit or loans to determine the risk that the bank, or other lending or credit-granting institution will not recoup funds loaned. The level of risk is then used to determine if a loan or line of credit will be granted, and if so, the terms of the loan, including interest rate. Credit analysts will prepare reports based upon their findings to help make decisions on lending and creditworthiness.

Essential Duties

• Assist in the credit decisions of the loan portfolio of the Bank.
• Deliver meaningful, detailed credit analysis while providing efficient, timely service to loan officers.
• Analyzes loan data on new and renewal loans, including data provided by customers, credit reports and other financial institutions.
• Prepare financial spreadsheets, reports, summaries and opinions for lenders on new, renewal and existing loans.
• Business acumen to analyze and properly assess the current and prospective financial condition of the borrower or prospective borrower.
• Evaluating clients’ credit data and financial statements in order to determine the degree of risk involved in lending money.
• Evaluating the financial status of clients by producing financial ratios through computer programs Provide technical advice and assistance to lending staff as needed.
• Assist in the credit decisions of the loan portfolio of the Bank. Assist in preparation of stress testing functions for loan portfolio.
• Comply with all laws, regulations, standards, and values that support the Bank's commitment to customer service and confidence and to the reputation of the Bank as described in the Team Member Handbook

Full time in person at 5350 S Staples St Corpus Christi, Texas

Requirements

Required Education and Experience

College Degree in Finance or Accounting or equivalent background and experience Excellent oral and written communication. Computer literacy in Microsoft Word, Excel, and PowerPoint

Preferred Education and Experience

Two or more years’ experience in a financial institution Prefer bachelor’s degree in business, finance or accounting.

AAP/EEO Statement

Kleberg Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, sexual orientation, gender identity, age, status of protected veteran, among other things or status as a qualified individual with a disability.