Credit Analyst

Austin Bank; Longview (TX); Hybrid; USD 55,000 - 75,000; Full time

Job summary

Austin Bank in Longview, TX is seeking a diligent credit analyst to support loan decisions and customer relations. You will prepare detailed credit analyses, review financial statements, and assist in the loan process from documentation to committee review.

The role emphasizes accuracy, regulatory compliance, and teamwork within the Credit/ Lending department. A bachelor’s degree and 1–3 years of related experience are preferred, with accounting coursework beneficial.

Qualifications

• Customer service excellence and relationship-building abilities.
• Experience with credit analysis and financial statement evaluation.

Responsibilities

• Greets customers and provides superior customer service.
• Prepares Credit Analysis including analysis of borrower and guarantor financial statements, cash flows, and industry/market considerations.
• Attends Loan Committee meetings and supports loan decision processes.
• Reviews loan agreements and policy for compliance.
• Distributes loan packages to Committee Members after approval.

Skills

Customer service

Credit analysis

Education

Bachelor's degree or higher

Job description

Longview Oak Forest
Longview, TX 75604, USA

Description

ESSENTIAL DUTIES AND RESPONSIBILITIES:

Includes the following: Other duties may be assigned.

Employee is responsible to understand and comply with regulatory requirements for financial transactions, most specifically Bank Secrecy Act (BSA) and Customer Identification Program (CIP) as it relates to specific job functions.

Exhibits superior customer service as an Austin Bank team member. Demonstrates high quality relationship building techniques to ensure the customer receives the best possible solution to his banking and financial needs. Helps promote a loyal relationship between the customer and Austin bank.

Participates in developing a teamwork atmosphere with co-workers as part of department/branch location by attending meetings, participating in discussions, treating co-workers with respect and courtesy, and contributing to departmental goals.

Has a responsibility to stay abreast of company communications by reading publications, announcements and company e-mails, etc. Takes advantage of appropriate communication channels regarding bank related business matters.

Develop personal skills and capabilities through on-going training, as provided by the company or elsewhere subject to Company approval.

Uphold and safeguard the organizations values particularly relating to ethics, integrity, and confidentiality both internally and externally

Greets customers and provides superior customer service.

Prepares Credit Analysis which includes analysis of borrower and guarantor financial statements, cash flows, company history, competition, industry/market, borrowing relationship, etc. Analysis may be for approval, recommendation, or annual review.

The following is a list of responsibilities that are a part of the analysis process:

• Reviews the credit file and any information from the loan officer.
• Prepares financial statement spreads, cash flows, Loan Memo and detailed Credit Analysis which includes an analysis of the company and individuals financial statements and cash flows.
• Develops a list of questions and information needs for the loan officer.
• Researches industry information and RMA comparisons.
• Reviews loan agreements, and loan policy for compliance.
• Sends completed packages for review.
• Distributes loan package to Committee Members upon approval from the Chief Credit Officer or Chief Lending Officer.

Attends Loan Committee meetings.

Ensures work is accurately/precisely performed utilizing accounting principles and business finance standards along with Bank policies and procedures.

Performs job responsibilities without close supervision.

Handles multiple tasks.

Reports to work regularly and promptly.

Maintains confidentiality at all times.

Provides superior customer service.

Maintains established department and Bank policies, procedures and objectives and quality assurance.

Enhances professional growth and development through participation in in-service meetings, current literature, etc.

Qualifications

Education

Required

Bachelors or better.

Experience

Required

1-3 years:

1 – 3 years related experience, or equivalent.

Preferred

Six hours of accounting

Equal Opportunity Employer
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