Credit Analyst I

Woodforest National Bank; Town Center (TX); In loco; USD 55.000 - 75.000; Tempo pieno

Vantaggi offerti da questo lavoro

401(k) ESOP

Paid time off

Medical coverage

Disability & life insurance

Well-being program

Descrizione del lavoro

Woodforest National Bank is seeking a Credit Analyst I to support underwriting by gathering borrower information and analyzing financial data to evaluate credit risk. You will prepare underwriting packages and provide input to Relationship Managers for sound loan decisions.

Ideal candidates have 1+ year of experience with analytical tools, banking exposure, and strong Excel skills. The role offers full-time work at our Texas location with a focus on accuracy and collaboration across teams.

Competenze

• 1+ years’ experience with analytical tools such as Excel or similar.
• 1+ years’ experience in group settings or non-complex projects with advanced calculations.
• 1+ years’ experience in banking/financial services with exposure to Credit Risk Management or similar.

Mansioni

• Gathers information to underwrite loan packages by interviewing customers and requesting reports.
• Spreads financial statements and analyzes cash flow, trends, and industry risk.
• Prepares underwriting packages and communicates results in writing.
• Monitors pipeline and reports; coordinates with Relationship/Portfolio Managers on status.
• Maintains physical and electronic credit files for audits and exams.

Conoscenze

Lending knowledge

Credit risk management

MS Office

Analytical skills

Attention to detail

Critical thinking

Communication skills

Formazione

Bachelor's degree in Accounting/Business/Finance/Economics

Strumenti

Microsoft Excel

SharePoint

Outlook

Word

Descrizione del lavoro

Job Description - Credit Analyst I (075846)

Your Future Starts Here!

Credit Analyst I - 075846

Description

Description Take the next step toward your new career today!

Become a part of the diverse and inclusive team within our nationally recognized award-winning Bank that is one of the strongest in the nation. Woodforest National Bank is privately owned, and our Employee Stock Ownership Plan is the largest shareholder. We focus on building relationships and discovering opportunities to better serve our communities and understand the financial needs of every customer we serve. At Woodforest we care and prove it by volunteering with local charities and foodbanks to give back to the communities we serve. By joining Woodforest you will become a part of one of the largest employee-owned banks in the country!

The Credit Analyst I is responsible for compiling and analyzing financial data to determine the credit risk of new and existing loans. This position prepares underwriting packages and provides input on loan requests in order for a sound credit business decision to be made by Relationship Managers.

Key Responsibilities

• Gathers information needed to underwrite loan packages by conducting customer interviews and requesting credit reports and financial statements on borrowers and guarantors of proposed requests; works to clear any outstanding exceptions.
• Spreads financial statements and conducts comprehensive analyses to determine the degree of risk involved and profitability of extending credit or lending money, such as cash flow, trend and industry analysis.
• Prepares underwriting packages; communicates results and recommendations in a written narrative.
• Monitors and updates pipeline and other department reports; communicates with Relationship and Portfolio Managers on status of pending requests.
• Maintains physical and electronic credit files; retrieves documentation for audits, exams and assessments.

Competencies Required

• Working knowledge of lending and credit risk management concepts, practices and procedures.
• Solid technology and internet skills, including intermediate proficiency in Microsoft Office (Word, Outlook, SharePoint and Excel) and ability to navigate financial software applications.
• Ability to manage multiple responsibilities and projects in a fast-paced environment with competing priorities and deadlines.
• Strong analytical skills with the ability to interpret financial data and identify trends.
• Good attention to detail and concern for data accuracy.
• Excellent critical thinking and decision-making skills; demonstrated ability to make sound business judgments.
• Strong customer service and communication skills, including technical writing abilities.

Qualifications

Minimum Qualifications/Experience

• 1+ years’ experience or exposure working with analytical tools such as excel or similar required.
• 1+ years’ experience working in a group setting and/or on non-complex business projects involving advanced calculations required.
• 1+ years’ experience in the banking or financial services industry with exposure to Credit Risk Management, Consumer/Commercial Loans, or similar lending compliance related work experience preferred.

Formal Education & Certification

• Bachelor’s Degree in Accounting, Business, Finance or Economics required; with a minimum of 12 hours of accounting coursework to include Intermediate Accounting I and II, or an equivalent. Candidates who are currently completing their degree may be considered; however, the degree must be obtained prior to date of hire.

Work Status

Full-Time.

Supervisory Responsibility

None.

Travel

0% - Negligible amount of travel expected.

Working Conditions

Conditions involve lifting no more than fifteen pounds, sitting most of the time, but may involve walking, moving, or standing for brief periods, and occasionally lifting and carrying articles like files, ledgers, folders, etc.

Disclaimer: This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Nothing herein restricts management’s right to assign or reassign duties and responsibilities to this job at any time.

Woodforest is an Equal Opportunity Employer, including Disability and Veterans.

Job

Lending

Primary Location

Texas-The Woodlands

Schedule

Full-time

Work Locations

TX - Towncenter-0312 1330 Lake Robbins Dr. The Woodlands 77380

Unposting Date

Ongoing

Organization

Texas - Houston

Strong Culture built on our Core Values: Integrity, Ownership, Service and Community. It’s not just talk. We walk the walk, from the CEO to front-line employees.

Be an Owner and take control of your future with our Employee Stock Ownership Plan (ESOP), where your hard work translates into real ownership and an opportunity to share in the growth of Woodforest.

401(k) Company Match in ESOP Woodforest adds 50₵ for each $1 you save (up to 6% eligible pay). The match is made in Woodforest stock held in your ESOP account.

Opportunities for Long-Term Growth Take advantage of growth opportunities and professional development to advance in your career.

Banking Products & Services providing convenience, financial savings, and enhanced support to help you achieve your financial goals.

Competitive Base Pay and regular compensation reviews to ensure you continue to earn competitive pay.

Paid Time Away Branch Banking employees are offered PTO. Corporate employees are offered paid vacation and sick time.

Medical Coverage 12 comprehensive plans available at an affordable cost!

Short and Long-Term Disability & Life, AD&D Insurance 100% paid for by Woodforest plus other benefits available that will help ensure you and your family are confident and well-prepared for whatever comes your way.

Well-being Program (Employee Assistance Program) that helps you take care of your physical, mental, and financial health.

Resource Champions are available to connect you to comprehensive services including expert banking, wealth planning, ESOP, health & wellness programs, impactful community involvement & financial literacy education.

This information highlights our rewards and benefits but is not a complete description of our total rewards program. Woodforest reserves the right to modify, amend, suspend, or terminate any reward or benefit at any time for any reason. If there is a conflict between the information and the actual plan documents or policies, the documents or policies will always govern. The information should in no way be construed as a promise or guarantee of employment.

Woodforest National Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to any factor, including veteran status and disability status, protected by applicable federal, state, or local laws.

Woodforest National Bank services customers across Alabama, Florida, Georgia, Illinois, Indiana, Kentucky, Louisiana, Maryland, Mississippi, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Texas, Virginia and West Virginia.