Credit Analyst: Lending & Financial Insight

First State Bank of Uvalde; Uvalde (TX); On-site; USD 55,000 - 75,000; Full time

Job summary

First State Bank of Uvalde is seeking a Credit Analyst to provide analytical support to loan officers and evaluate credit requests. The role involves analyzing financial statements, assessing collateral, and ensuring compliance with applicable laws and bank policies.

Ideal candidates will have a banking background with consumer and commercial lending exposure and at least 2 years of credit experience, plus strong communication, organizational, and analytical skills.

Qualifications

• Banking background with exposure to consumer and commercial lending; 2 years Credit experience.
• Proficient with Microsoft software.
• Strong written and verbal communications skills.
• Strong organizational and analytical skills.
• Comfortable with a rapid pace of work and meeting deadlines.

Responsibilities

• Provide analytical support to loan officers.
• Ensure that client service standards are met, and process and documents conform to all applicable laws and regulations.
• Support the Bank's lending activities by providing insightful and timely credit analysis of prospective and current borrowers, including interpretation of financial statements, collateral, and cash flows.
• Interact with loan officers, credit manager, other lending support staff, customers, accountants, and appraisers.
• Analyze financial data to determine the merits of loan requests.
• Recommend structure as well as identifying cross selling/referring opportunities of other services.

Skills

Credit analysis

Financial statement analysis

Loan support

Tools

Microsoft Office

Job description

First State Bank of Uvalde is seeking a Credit Analyst to provide analytical support to loan officers and evaluate credit requests. The role involves analyzing financial statements, assessing collateral, and ensuring compliance with applicable laws and bank policies.

Ideal candidates will have a banking background with consumer and commercial lending exposure and at least 2 years of credit experience, plus strong communication, organizational, and analytical skills.