Credit Analyst I

Alliance Bank; Sulphur Springs (TX); On-site; USD 45,000 - 65,000; Full time

Job summary

Alliance Bank in Sulphur Springs, TX is seeking a Credit Analyst I to support lending staff in developing and monitoring loan files and analyses. You will prepare loan requests, review collateral, and analyze financial statements to assist in lending decisions.

Ideal candidates bring at least a high school diploma with a four-year program background, 3+ years in banking, and strong Excel/Word skills, plus excellent communication and confidentiality.

Qualifications

• High School diploma or equivalent with knowledge from a formal four-year program.
• Minimum 3 years' experience in a financial institution or equivalent knowledge.
• Proficient in Microsoft Excel and Word.
• Excellent writing, communication, and reporting skills.

Responsibilities

• Personify Alliance Bank’s mission and provide excellent customer service.
• Actively sell and cross-sell bank services.
• Assist lenders in preparing loan presentation packages for Commercial, Agricultural, and Real Estate notes.
• Analyze financial statements and income statements for various business types.
• Create cash flows and stress tests for different business types.
• Clearly communicate analysis findings in writing for loan presentations.
• Coordinate Directors’ Loan Committee meetings and take minutes as needed.
• Maintain compliance with laws, regulations, and Alliance Bank policies.

Skills

Customer service

Interpersonal skills

Communication

Attention to detail

Time management

Confidentiality

Problem solving

Supervisory experience

Education

High School diploma or equivalent + four-year program knowledge

Formal four-year degree knowledge

Tools

Microsoft Excel

Microsoft Word

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Credit Analyst I

Loan Operations Full Time Exempt Clerical Sulphur Springs, TX, US 1 Attachments

NOTE: We are currently focusing our search on candidates who live within 30 miles of Sulphur Springs, Texas. This position is not eligible for remote work or relocation consideration.

POSITION PURPOSE

This position is responsible for providing assistance to the lending staff in the development, analysis, and monitoring of loan customers. Such assistance may be in the preparation of loan requests, reviewing existing loan files, inspection of collateral, analysis of financial information, and other lending-related functions as required. This employee offers the customer the highest degree of service and promotes all Alliance Bank’s products and services.

SKILLS, KNOWLEDGE, AND PHYSICAL REQUIREMENTS

• Ability to read, write and speak the English language, bilingualhelpful.
• Ability to respond to customers’ requests with tact, diplomacy, and a sense of urgency.
• Ability to offer Alliance Bank’s products and services.
• High School diploma (or equivalency) and knowledge of specialized principles that would be obtained through a formal four (4) year academic program, and a minimum of three (3) years’ experience in a financial institution; or a combination of education and experience providing equivalent knowledge.
• Must possess excellent interpersonal communication skills and have the ability to deal with and respond to employees’ requests with tact, diplomacy, and a sense of urgency.
• Highly detailed-oriented with the ability to organize, schedule, and prioritize tasks and responsibilities as well as certain departmental functions to improve efficiency.
• Ability to work well under pressure and in a high-stressenvironment.
• Requires excellent writing, communication, and reporting skills.
• Must be proficient in Microsoft Excel and Word
• Ability to operate basic office equipment including a PC with job-related software.
• Previous supervisory and management experience.
• Ability to handle bank and customer transactions with a high level of confidentiality.
• Knowledge of state and federal regulations.
• Knowledge of Alliance Bank’s loan policies andprocedures.
• Knowledge of Alliance Bank’s products andservices.
• Schedules are prepared based on business needs and are subject to change at any time. This may include the need for evenings, weekends, or holiday coverage.
• Office setting with moderately varied desk-oriented activity.
• Ability to stand, bend, stoop, squat, and kneel.
• Repetitive movement of finger, wrist, and hand.
• Ability to lift 50 lbs.

ESSENTIAL FUNCTIONS AND BASIC DUTIES

• Personify Alliance Bank’s mission statement of The best in all we do.
• Actively sell and cross-sell bank services.
• Provide prompt, courteous, and friendlyservice.
• Promotes Alliance Bank’s culture through all interactions modeling the Alliance Bank way of Customer Experience.
• Assist lenders in the preparation of loan presentationpackagesfor Commercial, Agricultural, and Real Estate notes.
• Utilize a working knowledge of financial statements and income statements and how they interact.
• Analyze financial statements and income statements for a variety of business types.
• Create cash flows and stress tests for various types ofbusinesses.
• Clearly communicate analysis findings in writing for loanpresentation.
• Prepare Financial Statement analysis at the request of lendingstaff.
• Assist lending staff with file documentation.
• Coordinate Directors’ Loan meeting by contacting all applicable members to notify them of the meeting and ascertain their ability to attend.
• Responsible fortaking theminutesforthe Bank Loan Committee, the Directors’ Loan Committee, and reviewing the minutes for the Classified Loan Committee, and the Officers Past Due Committee to assure they align with the credit application.
• Obtaining and sharing customerinformation.
• Operate computer and phone system in Bank Loan Committee meetings, Strategic Planning meetings, Directors’ Loan Committee meetings, monthly Board meetings, and other meetings as necessary.
• Analyze covenants for participated and non-participatedcredits.
• Provide various reports to management and the Board both monthly and quarterly.
• Compile data for and assist with special projects.
• Employee may be issued bank-owned devices (such as cell phones, tablets, and/or laptops). In such cases, the employee is expected to regularly check and respond to phone calls, text messages, and/or emails.
• Participate in community affairs to increase Alliance Bank’s visibility and to enhance new business opportunities.
• Keep updated on all laws and regulations and Alliance Bank's policies and procedures pertaining to this position.