Credit Analyst II

Texas First; Houston (TX); On-site; USD 75,000 - 110,000; Full time

Job summary

Texas First Bank in Texas is seeking a commercial credit underwriter to support the lending team through financial and credit analysis. The role involves analyzing financial reports, determining risk, and preparing credit packages for loan requests.

The candidate should have 3+ years in CRE and C&I underwriting and strong MS Office skills. You will work with Relationship Managers and lending teams to monitor compliance, review loan presentations, and participate in loan committee discussions,

Qualifications

• Bachelor’s degree in business administration, accounting or finance with a strong basis in financial accounting.
• Minimum of 3 years commercial underwriting experience in CRE and C&I loans.
• Ability to analyze complex credit relationships.
• Advanced knowledge of financial statements.

Responsibilities

• Analyzing financial information such as balance sheets, income and cash flow statements.
• Accurately spread financial statements.
• Assessing the overall credit worthiness of client companies.
• Prepare, review, and discuss loan presentation with the Relationship Manager and senior staff.
• Prepare written credit-approval packages for approval presentation.
• Participate in loan committee meetings.

Skills

Credit analysis

Underwriting

Financial statements

CRE lending

Communication

Education

Bachelor’s degree in business administration, Accounting or Finance

Tools

Microsoft Office

Job description

Founded in 1973, Texas First Bank is a fast-growing community bank with 26 locations across Southeast Texas. Our people are our greatest asset, and we’re dedicated to helping employees and communities thrive.

Job Summary

Supports the commercial lending team through financial and credit analysis and underwriting processes by gathering, analyzing, and interpreting all types of credit information on existing and prospective clients and portfolios. Primary duty is to analyze credit and financial reports to determine financial condition and risk involved in loaning money or extending credit. Prepares spreadsheets and analyzed financial information including financial statements and tax returns. Supports risk mitigation and portfolio quality through robust credit monitoring and collaborates with Relationship Managers and lending teams to successfully complete duties.

Responsibilities and Duties

• Analyzing financial information such as balance sheets, income and cash flow statements, and periodic financial reporting of all types.
• Accurately spread financial statements.
• Assessing the overall credit worthiness of client companies.
• Prepare, review, and discuss loan presentation with the Relationship Manager, Senior Management, and/or Chief Credit Officer.
• Prepare written credit-approval packages for approval presentation.
• Conducts research to determine the quality, character, and soundness of loan request to include but not limited to the analysis of basic statistical data and financial statements, sensitivity analysis, industry analysis, management assessment, guarantor analysis, etc.
• Monitor and track compliance with loan agreement covenants on significant relationships.
• Complete appraisal reviews.
• Participate in loan committee meetings.
• Performs other duties and special projects as assigned.

Job Skills and Qualifications

• Bachelor’s degree in business administration, Accounting or Finance with a strong basis in financial accounting.
• Minimum of 3 years commercial underwriting experience in both CRE and C&I loans required.
• Ability to analyze more complex credit relationships.
• Advanced knowledge of financial statements.
• Strong analytical skills.
• Strong verbal and written communication skills.
• Able to function in a high attention to detail, deadline-oriented environment.
• Ability to work on multiple transactions simultaneously and prioritized assignments to meet deadlines.
• Proficiency in Microsoft Office (Word, Excel, and Outlook).
• Ability to lift and/or move up to 25 lbs.
• Sit at a desk and computer terminal for extended time periods.
• Typical work hours Monday-Friday, 8:00 AM-5:00 PM.