Credit Analyst — Lending Insights & Risk Analysis

First-State-Bank-of-Uvald; Uvalde (TX); On-site; USD 60,000 - 85,000; Full time

Job summary

First State Bank of Uvalde in Texas seeks a Credit Analyst to support loan officers and analyze financial data for credit decisions. You will work with loan staff, customers, accountants, and appraisers to assess risk and ensure regulatory compliance.

The role requires strong analytical skills and the ability to meet tight deadlines. We value integrity, hospitality, and a bold Texas spirit as part of delivering premier banking services.

Qualifications

• Banking background with exposure to consumer and commercial lending with 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

Microsoft Office

Communication

Analytical thinking

Time management

Tools

Microsoft Excel

Credit software

Job description

First State Bank of Uvalde in Texas seeks a Credit Analyst to support loan officers and analyze financial data for credit decisions. You will work with loan staff, customers, accountants, and appraisers to assess risk and ensure regulatory compliance.

The role requires strong analytical skills and the ability to meet tight deadlines. We value integrity, hospitality, and a bold Texas spirit as part of delivering premier banking services.