Credit Analyst I: Elevate Lending with Insight

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

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.