Credit Analyst I

First United Bank; San Antonio (TX); Hybride; USD 55 000 - 75 000; Plein temps

Résumé du poste

First United Bank is seeking a Credit Analyst I in San Antonio, TX to analyze and monitor creditworthiness for individuals and businesses applying for credit. The role involves evaluating loan data, preparing memos, and supporting Loan Officers with risk assessments.

The ideal candidate will have a finance or accounting degree, 1–4 years in banking, and experience with credit systems, using strong analytical and Excel skills to deliver accurate analyses and recommendations.

Qualifications

• Bachelor’s degree in Finance, Accounting or related field.
• 1–4 years banking industry experience.
• Six months experience with credit systems.
• Strong financial statement analysis and knowledge of ratios.
• Proficient in Excel and financial modeling.

Responsabilités

• Analyze loan data for new, renewal, and existing loans.
• Prepare memos, spreadsheets, reports, and opinions for Loan Officers.
• Recommend transaction structures in line with credit policy.
• Manage financial information files and alert on potential problems.
• Establish and update loan files regularly.
• Provide technical advice to Loan Officers.
• Perform credit inquiries.
• Communicate clearly with Loan Officers and Bank Management.

Connaissances

Financial analysis

Excel

Interpersonal skills

Written communication

Problem solving

Formation

Bachelor’s degree in Finance or Accounting

Outils

Credit systems

Description du poste

## Credit Analyst IApplylocations: San Antonio, TXtime type: Full timeposted on: Posted 2 Days Agojob requisition id: R 06787## **Join Our Team!**We have a great team of friendly, talented and inspiring people at First United. As a learning organization, we take pride in offering exciting opportunities for employees to grow and follow their passions. That's one of the many reasons First United has been voted as one of the top places to work in Oklahoma since 2009! Browse this page to find out more about the First United culture and the many benefits of working here. Then, use our "Get Started" section to take your first step to being a part of First United.## The Position### **Job Title**Credit Analyst I### **Job Description****SUMMARY**This position is responsible for analysis and monitoring the financial condition and credit worthiness of individuals and businesses applying for credit by using historical financial analysis and cash flow projections.**MAJOR DUTIES AND RESPONSIBILITIES (ESSENTIAL FUNCTIONS)*** Analyzes all relevant loan data on new, renewal and existing loans, including data provided by credit bureaus, other financial institutions, and First United’s files.* Prepares thorough and concise memo’s, spread sheets, reports, summaries and opinions for Loan Officers on new, renewal and existing loans within established deadlines.* Effectively manages the bank’s exposure to identified risks, and recommends appropriate structure for transaction in accordance with First United’s credit policy.* Oversees and manages financial information files to assure current reports, statements, accounts receivable and other information on customer accounts, and notifies Loan Officers of any potential problems in a timely manner.* Establishes, reviews and updates new and existing loan files for the Bank on a regular basis.* Provides technical advice and assistance to Loan Officers.* Performs credit inquiries.**ADDITIONAL DUTIES AND RESONSIBILITIES*** Effectively communicates with Loan Officers and Bank Management in a clear, accurate, and concise manner.* Generates solutions to problems and suggests alternative solutions when necessary.* Contributes to Bank-wide projects while following specific and detailed instructions in a timely manner.* Typically focuses on memos for relationships ranging from $500,000 to $2,000,000.* Creates and maintains solid working relationship with Loan Officers and other team members.* Ability to adhere to all company policies, core values and procedures.* Genuine interest in learning and working in the banking profession.* Dresses professionally.* Other duties as assigned.**EMPLOYEE SPECIFICATIONS**To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.**Education and Work Experience*** Bachelor’s degree in Finance, Accounting or related field.* Minimum of 1- 4 years banking industry experience.* Six months experience with credit systems.* Knowledge of accounting sufficient to understand and analyze the relationships between the different financial statements, in order to produce a written analysis.**Technical/Functional Competencies*** Strong financial analytical abilities, with knowledge of financial ratios.* Strong Excel skills.* Good interpersonal, technical, problem solving, and written communication skills needed for preparation of credit memos and analysis of financial statements.* Demonstrates initiative, judgment/discernment and self motivation to work with minimal supervision.* Demonstrates resourcefulness and concern for quality by understanding systems and processes and suggesting changes when necessary to increase overall efficiency.* Demonstrates dependability through good attendance and adherence to time lines and schedules.NOTE: This job description is not intended to be all-inclusive. Employee may perform other related duties as assigned by supervisor to meet the ongoing needs of the organization.