Credit Analyst I (Full Time) - Lubbock, Ave Q

Prosperity Bank; Lubbock, Northern (TX, KY); On-site; USD 50,000 - 70,000; Full time

Job summary

Prosperity Bank is seeking a Credit Analyst I in Lubbock, TX to assess credit risk by analyzing financial statements and related data for loan decisions. The role involves underwriting, collateral analysis, and supporting loan officers across commercial portfolios.

Ideal candidates have a bachelor’s degree in business/admin/finance with accounting/finance hours and at least one year of banking experience. Opportunities for growth exist within the two-year Credit Analyst program.

Qualifications

• Bachelor’s Degree in Business Administration, Accounting, or Finance with a minimum of accounting and/or finance hours.
• Minimum two-year banking experience preferred.
• Strong analytical skills to interpret complex financial information and identify risks.
• Ability to handle multiple transactions and meet deadlines.
• Strong verbal and written communication skills.

Responsibilities

• Spread and analyze commercial financial statements for loan customers.
• Conduct financial analysis and basic underwriting of loan packages.
• Perform loan reviews of existing commercial loans.
• Recommend credit grades based on borrower creditworthiness.
• Identify documentation exceptions and evaluate underwriting.
• Analyze CRE stress tests and rent rolls, budgets, and feasibility studies.
• Assist with additional duties as assigned.

Skills

Multitask

Analytical skills

Communication skills

Education

Bachelor’s Degree in Business Administration, Accounting, or Finance with accounting/finance hours

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 (Full Time) - Lubbock, Ave Q

Full Time Credit Analyst Lubbock, TX, US

3 days ago Requisition ID: 10906

Prosperity Bank is an Equal Opportunity Employer.

POSITION PURPOSE

Responsible for analyzing credit and financial reports to determine risk involved in loaning money or extending credit.

ESSENTIAL FUNCTIONS AND BASIC DUTIES

• Spreading and analysis of commercial financial statements for prospective and existing loan customers.
• Perform financial analysis and basic underwriting of loan packages for loan officers to include the following: trend, equity and ratio analysis, loan structuring, collateral analysis, guarantor analysis, and calculation of Global Debt Service Coverage.
• Perform loan reviews of existing commercial loans
• Recommend credit grades based on creditworthiness of borrower and performance of the loan
• Identify documentation exceptions and evaluate underwriting
• CRE Stress Test Analysis
• Review Rent Rolls, Construction Budgets, Pro Forma Statements, Feasibility Studies, A/R Aging, Inventory, Equipment, Floor Plan Reports
• Other duties as assigned.

QUALIFICATIONS:

EDUCATION/CERTIFICATION:
Bachelor’s Degree in Business Administration, Accounting, or Finance with a minimum of 12 hours of accounting and/or 18 hours of finance.

REQUIRED EXPERIENCE:
Minimum two-year banking experience preferred.

SKILLS/ABILITIES:
Ability to work on multiple transactions simultaneously and prioritize assignments to meet deadlines.
Strong analytical skills with an ability to interpret complex financial information and identify relevant risks.
Strong verbal and written communications skills.

CAREER PROGRESSION:
Successful candidates will have the opportunity of becoming Junior Commercial Lenders after completion of the two-year Credit Analyst program

POSITION LOCATION:
Open to relocation within the State of Texas and Oklahoma if necessary.

SUPERVISORY RESPONSIBILITIES:

This role has no supervisory responsibilities.

QUALIFICATIONS

Education/Certification: Bachelor’s Degree in Business Administration, Accounting, or Finance with a minimum of 9 hours of accounting and/or 12 hours of finance.

REQUIRED EXPERIENCE: Minimum one year banking experience preferred.

SKILLS/ABILITIES: Ability to work on multiple transactions simultaneously and prioritize assignments to meet deadlines.

Strong analytical skills with an ability to interpret complex financial information and identify relevant risks.

Strong verbal and written communications skills.

CAREER PROGRESSION:
Successful candidates will have the opportunity of becoming Junior Commercial Lenders after completion of the two-year Credit Analyst program

POSITION LOCATION:
Open to relocation within the State of Texas and Oklahoma if necessary.

PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

Talking: Especially where one must frequently convey detailed or important instructions or

ideas accurately, loudly, or quickly.

Average Hearing: Able to hear average or normal conversations and receive ordinary information.

Repetitive Motion: Movements frequently and regularly required using the wrists, hands, and/or

Average Visual Abilities: Average, ordinary, visual acuity necessary to prepare or inspect documents or

products, or operate machinery.

Physical Strength: Sedentary work; sitting most of the time. Exerts up to 10 lbs. of force occasionally.

(Almost all office jobs.)

WORKING CONDITIONS

None: No hazardous or significantly unpleasant conditions (such as in a typical office).

MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

Reasoning Ability: Ability to deal with a variety of variables under only limited

Able to interpret various instructions.

Mathematics Ability: Ability to compute interest, payments, profit and loss, financial ratios, percentage, cash flow and debt service.

Able to perform very simple algebra.

Language Ability: Ability to read a variety of books, magazines, instruction manuals, atlases, and encyclopedias.

Ability to prepare memos, internal loan applications, reports, and

essays using proper punctuation, spelling, and grammar.

Ability to communicate distinctly with appropriate pauses and

emphasis, correct pronunciation (or sign equivalent), and

variation in word order using present, perfect, and future tenses.

Required

Always Active

Functional

Functional

Analytics

Analytics

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