Credit Analyst

First State Bank of Uvalde; Uvalde (TX); On-site; USD 55,000 - 75,000; Full time

Job summary

First State Bank of Uvalde is seeking a Credit Analyst to provide analytical support to loan officers and evaluate credit requests. The role involves analyzing financial statements, assessing collateral, and ensuring compliance with applicable laws and bank policies.

Ideal candidates will have a banking background with consumer and commercial lending exposure and at least 2 years of credit experience, plus strong communication, organizational, and analytical skills.

Qualifications

• Banking background with exposure to consumer and commercial lending; 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

Financial statement analysis

Loan support

Tools

Microsoft Office

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:

Duties

• 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