CREDIT ANALYST

Cenderabank; Fort Worth (TX); On-site; USD 70,000 - 90,000; Full time

Job summary

Cenderabank in Fort Worth, TX is seeking a Credit Analyst to perform thorough analyses of commercial credit applications and prepare documented packages for loan administration or loan committee review.

Ideal candidates bring independent work capability, with training in formal credit programs, and experience supporting a Credit Risk Manager in a banking environment. This role requires strong analytical and communication skills.

Qualifications

• 2+ years experience supporting a Credit Risk Manager in a similar role.
• Extensive knowledge of accounting and credit principles, lending functions, and loan analysis.
• Broad knowledge of community banking, accounting, finance, compliance & IT.
• Demonstrated ability to exercise consistent discretion and judgement.
• Extensive knowledge of loan documentation, loan policy and regulations.
• Extensive knowledge of Loan Grading process.
• Excellent oral and written communication skills.
• Strong interpersonal, teamwork and flexibility skills.
• Extensive analytical skills regarding loan/credit review.
• Significant exposure to sales environment.
• Advanced PC, database and spreadsheet software skills.

Responsibilities

• Collaborate with Commercial Lenders to analyze credit information and prepare Loan Approval Reports for loan administration or committee review; credit types include investment real estate, commercial and industrial, and private banking transactions.
• Use financial statements and tax returns to analyze company level and global cash flow for Borrowers, as well as analyze Borrowers’ balance sheet and income statement activity.
• Perform collateral analysis on a wide range of credit types.
• Identify risk in proposed and existing loan transactions and address how to mitigate it.
• Assist with preparing annual loan reviews and ongoing credit monitoring to ensure Borrower are in compliance with their Loan Agreement and that the credits are appropriately risk rated; consult customers, prior banks, accountants, and others regarding customers’ credit information.
• Perform miscellaneous related duties as assigned.

Skills

Credit analysis

Financial statement analysis

Loan documentation

Regulatory knowledge

Communication skills

Teamwork

Analytical skills

Sales exposure

PC skills

Tools

Excel

Database software

Job description

Salary Range: $70,000.00 To $90,000.00 Annually

Job Summary:

The Credit Analyst will be responsible for conducting thorough analysis of applications for commercial credit and provide an analyzed, researched, and documented package for loan administration or loan committee review. The ideal candidate will be able to work independently, with limited supervision, and will bring experience from a formal credit training program.

Responsibilities / Essential Functions:

To perform this job successfully, an individual must be able to perform each duty satisfactorily:

• Collaborate with Commercial Lenders to analyze credit information and prepare Loan Approval Reports for loan administration or committee review. Credit types include investment real estate, commercial and industrial, and private banking transactions.
• Use financial statements and tax returns to analyze company level and global cash flow for Borrowers, as well as analyze Borrowers’ balance sheet and income statement activity.
• Perform collateral analysis on a wide range of credit types.
• Identify risk in proposed and existing loan transactions and address how to mitigate it.
• Assist with preparing annual loan reviews and ongoing credit monitoring to ensure Borrower are in compliance with their Loan Agreement and that the credits are appropriately risk rated.Consult customers, prior banks, accountants, and others regarding customers’ credit information.
• Perform miscellaneous related duties as assigned.

Required Qualifications:

Knowledge / Skill / Ability

• 2+ years experience supporting a Credit Risk Manager in a similar role
• Extensive knowledge and understanding of accounting and credit principles, lending functions, and loan analysis and ability to demonstrate resourcefulness in application of general credit policies
• Broad knowledge of community banking, accounting, finance, compliance & IT
• Demonstrated ability to exercise consistent discretion and judgement
• Extensive knowledge of loan documentation, loan policy and regulations
• Extensive knowledge of Loan Grading process
• Excellent oral and written communication skills
• Strong interpersonal, teamwork and flexibility skills
• Extensive analytical skills regarding loan/credit review
• Significant exposure to sales environment
• Advanced PC, database and spreadsheet software skills

Physical Requirements:

Prolonged period sitting at a desk and working on a computer; Able to travel, on an as needed basis (travel minimal and within the Bank’s footprint)