Credit Analyst II

Regent Bank; Frisco (TX); On-site; USD 70,000 - 100,000; Full time

Job summary

Regent Bank is seeking a dedicated analyst to support the commercial lending function. You will analyze borrower financial statements, prepare reports, and help Commercial Officers evaluate creditworthiness and loan terms.

Responsibilities include preparing credit memorandums, conducting annual reviews, and producing forecast and board reports, while ensuring compliance with policies and applicable regulations.

Qualifications

• Bachelor’s degree required in business/finance-related field.
• 3–5 years of banking experience preferred.
• Proficiency in MS Office and financial analysis tools.
• Strong communication skills, both written and verbal.
• Familiarity with credit analysis and financial statements.

Responsibilities

• Analyze commercial loans and borrower financial statements.
• Prepare financial reports for the banking department.
• Create summaries, present findings, and assess loan risks.
• Assist Commercial Officers with credit memorandums and annual reviews.
• Produce forecast reports and board reports for lending.

Skills

Microsoft Office

Data analysis

Verbal and written communication

Accounting concepts

Ratio analysis

Detail-oriented

Zoom or Webex knowledge

Accounting fundamentals

Integrity and professionalism

Education

Bachelor’s degree in business management, finance, economics or accounting

Tools

Zoom

Webex

Job description

Responsible for analyzing commercial/business loans. Utilize and maintain Regent Bank’s system to spread and analyze borrower’s financial statements. Assist Commercial Officers in supporting existing relationships and reviewing new business loan offerings.

Essential Duties and Responsibilities:

• Prepare financial reports used by the commercial banking department.
• Prepare summary reports, present facts, offer recommendations, and assess risk associated with the commercial loan.
• Offer recommendations based on analysis concerning creditworthiness and the ability of the customer to repay loans.
• Collaborates with commercial officers and customers in preparing credit memorandums, modification requests, annual reviews, compliance certificates, etc.
• Prepares forecast reports to manage expectations and assist in determining how responsible industries will perform during the next fiscal year.
• Responsible for alerting senior management to potential issues that arise through required analytical research.
• Responsible for preparing monthly, quarterly, and yearly Board Reports for the lending department.
• Understand and comply with bank policy, laws, regulations, and other applicable programs. This includes up-to-date compliance training and adhering to internal procedures and controls.
• Responsible for reporting any known violation of compliance policy, laws, or regulations and reporting any suspicious customer and/or account activity.
• Assist other credit analysts in daily duties to ensure proper support of the Commercial Credit Manager.
• Other duties as assigned.

Education And/Or Experience:

• Bachelor’s degree in business management, finance, economics or accounting.
• Three (3) to five (5) years of banking experience required.

Knowledge/Skills/Abilities:

• Proficient in Microsoft Office applications (Excel, Word, PowerPoint)
• Demonstrates ability to analyze data and translate it into meaningful information.
• Strong verbal and written communication skills.
• Proficient in accounting practices, financial concepts, and ratio analysis
• Detail-orientated and able to work under pressure of deadlines.
• Knowledge of Zoom or Webex meetings.
• Basic knowledge of accounting and finance principals
• High character, integrity, dependability, professionalism, and work ethic.
• All candidates will be required to complete a pre-employment background, credit, and drug screening

Physical Requirements:

• Must exert up to 10 pounds of force occasionally and/or a negligible amount of force frequently.
• Must occasionally lift and/or move up to 25lbs.
• Specific vision abilities required by this job include close vision and the ability to adjust focus.
• Sitting for long periods.

Working Conditions:

The working conditions are generally comfortable, with minimal exposure to noise, heat, dust, and other related items. All employees are required to maintain a neat and safe work area.

Regent Bank is an Equal Opportunity Employer. We do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, genetic information, veteran status, or any other characteristic protected by law.