Credit Analyst I

Socket.dev; El Paso (TX); On-site; USD 50,000 - 75,000; Full time

Job summary

WestStar is seeking a Commercial Credit Analyst I in a dynamic banking environment to support underwriting processes for commercial clients. You will gather financial data, analyze statements, and help prepare credit presentations under supervision.

This entry-level role offers exposure to credit analysis, market research, loan documentation upkeep in nCino, and collaboration with senior analysts. Travel to client sites may be required; a valid driver's license is preferred.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics (preferred) or related field.
• Strong analytical and research skills.
• Excellent attention to detail and accuracy.
• Proficient in Microsoft Excel.
• Strong writing, communication, and interpersonal skills.
• Willingness to travel to client meetings.
• Requires valid driver's license; ability to travel to client meetings.

Responsibilities

• Gather and organize financial data and loan application documents.
• Assist with financial statement analysis and spreads.
• Prepare basic credit presentations and renewals.
• Conduct preliminary research on borrowers and market conditions.
• Update and maintain loan documentation and credit files within nCino.
• Price basic loan ROEs using internal bank pricing model.
• Support senior analysts with various administrative tasks.
• Other duties and projects as assigned.

Skills

Analytical thinking

Research skills

Attention to detail

Writing and communication

Interpersonal skills

Education

Bachelor's degree in Finance, Accounting, Economics

Tools

Excel

MS Office

Job description

Summary

The Commercial Credit Analyst I is an entry-level position responsible for assisting the commercial lending team with the credit underwriting process. This role provides an excellent opportunity for individuals to gain experience in commercial lending and build a strong foundation in credit analysis.

Essential Functions

• Gather and organize financial data and loan application documents.
• Assist with financial statement analysis and spreads.
• Prepare basic credit presentations and renewals.
• Conduct preliminary research on borrowers and market conditions.
• Update and maintain loan documentation and credit files within nCino.
• Price basic loan ROEs using internal bank pricing model.
• Support senior analysts with various administrative tasks.
• Other duties and projects as assigned.

Required Education, Experience, Skills

• Bachelor's degree in Finance, Accounting, Economics (preferred), or a related field.
• Strong analytical and research skills.
• Excellent attention to detail and accuracy.
• Proficient in Microsoft Office Suite, including Excel.
• Strong writing, communication, and interpersonal skills.
• Ability to be able to challenge themselves in order to obtain new knowledge, ideas, and skills.
• Requires valid driver's license; ability to travel/drive to client meetings.

Equipment Used

• Standard office equipment such as computers, phones, and photocopiers.

Supervisory Responsibility

• N/A

Working Conditions/Physical Requirements

• Office setting
• May require travel to client worksites, offices or other locations.

WestStar is an Equal Opportunity Employer and does not discriminate on the basis of any protected trait, including gender, race, ethnicity, disability, or veteran status.