Credit Analyst

Kleberg Bank, N.A.; Corpus Christi (TX); On-site; USD 55,000 - 75,000; Full time

Job summary

Kleberg Bank, N.A. in Corpus Christi, TX is seeking a Credit Analyst to evaluate loan requests by analyzing client financial data and risk exposure, determining the likelihood of repayment.

You will prepare credit reports for lenders, support loan officers with timely analyses, and help set loan terms while ensuring compliance with applicable laws and internal policies. This is a full-time, in-person role requiring strong financial acumen and clear communication.

Qualifications

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

Responsibilities

• 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

Skills

Credit analysis

Financial data interpretation

Attention to detail

Education

College degree in Finance or Accounting

2+ years in financial institution

Prefer bachelor’s in business/finance/accounting

Tools

Microsoft Word

Microsoft 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.