Credit Analyst

First-State-Bank-of-Uvald; Uvalde (TX); On-site; USD 60,000 - 85,000; Full time

Job summary

First State Bank of Uvalde in Texas seeks a Credit Analyst to support loan officers and analyze financial data for credit decisions. You will work with loan staff, customers, accountants, and appraisers to assess risk and ensure regulatory compliance.

The role requires strong analytical skills and the ability to meet tight deadlines. We value integrity, hospitality, and a bold Texas spirit as part of delivering premier banking services.

Qualifications

• Banking background with exposure to consumer and commercial lending with 2 years Credit experience.
• Proficient with Microsoft Software.
• Strong written and verbal communications skills.
• Strong organizational and analytical skills.
• Comfortable with a rapid pace of work and meeting deadlines.

Responsibilities

• Provide analytical support to loan officers.
• Ensure that client service standards are met, and process and documents conform to all applicable laws and regulations
• Support the Bank’s lending activities by providing insightful and timely credit analysis of prospective and current borrowers, including interpretation of financial statements, collateral, and cash flows.
• Interact with loan officers, credit manager, other lending support staff, customers, accountants, and appraisers.
• Analyze financial data to determine the merits of loan requests.
• Recommend structure as well as identifying cross selling/referring opportunities of other services.

Skills

Credit analysis

Microsoft Office

Communication

Analytical thinking

Time management

Tools

Microsoft Excel

Credit software

Job description

Job Title: Credit Analyst

Our Story

At First State Bank of Uvalde, we are committed to delivering premier banking services with integrity, hospitality, and a bold Texas spirit. Since 1907, FSBU has remained a safe, sound, and secure institution, focused on building long-term relationships through personalized service that reflects the traditions of our founders.

We take pride in our vision to continue the path laid by our early leaders — with the passion and drive to be the premier bank in Southwest Texas and beyond. Our mission is to provide trusted banking solutions, services, and products while delivering the highest quality customer service with authentic Southern warmth.

At the heart of our work are our core values:

We strive to be friendly , be professional , be proactive , be knowledgeable , and be accountable in everything we do.

The Position: Credit Analyst

As a team member of FSB, this position is expected to lead by example, embody these values, and foster a culture of good character, excellence, collaboration, and performance — ensuring our people, clients, and community experience the FSBU difference every day. You are also expected to always foster and promote the Institution’s image and brand.

Essential Duties and Responsibilities:

• Provide analytical support to loan officers


• Ensure that client service standards are met, and process and documents conform to all applicable laws and regulations


• Support the Bank’s lending activities by providing insightful and timely credit analysis of prospective and current borrowers, including interpretation of financial statements, collateral, and cash flows.


• Interact with loan officers, credit manager, other lending support staff, customers, accountants, and appraisers.


• Analyze financial data to determine the merits of loan requests.


• Recommend structure as well as identifying cross selling/referring opportunities of other services.

Qualifications:

• Banking background with exposure to consumer and commercial lending with 2 years Credit experience


• Proficient with Microsoft Software


• Strong written and verbal communications skills


• Strong organizational and analytical skills


• Comfortable with a rapid pace of work and meeting deadlines

First State Bank of Uvalde provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.