Credit Risk & Analysis Specialist

Kleberg Bank, N.A.; Corpus Christi (TX); On-site; USD 55,000 - 75,000; Full time

Job summary

Kleberg Bank, N.A. in Corpus Christi, TX is seeking a Credit Analyst to evaluate loan requests by analyzing client financial data and risk exposure, determining the likelihood of repayment.

You will prepare credit reports for lenders, support loan officers with timely analyses, and help set loan terms while ensuring compliance with applicable laws and internal policies. This is a full-time, in-person role requiring strong financial acumen and clear communication.

Qualifications

• College Degree in Finance or Accounting or equivalent background and experience
• Excellent oral and written communication
• Computer literacy in Microsoft Word, Excel, and PowerPoint

Responsibilities

• Assist in the credit decisions of the loan portfolio of the Bank.
• Deliver meaningful, detailed credit analysis while providing efficient, timely service to loan officers.
• Analyzes loan data on new and renewal loans, including data provided by customers, credit reports and other financial institutions.
• Prepare financial spreadsheets, reports, summaries and opinions for lenders on new, renewal and existing loans.
• Business acumen to analyze and properly assess the current and prospective financial condition of the borrower or prospective borrower.
• Evaluating clients’ credit data and financial statements in order to determine the degree of risk involved in lending money.
• Evaluating the financial status of clients by producing financial ratios through computer programs Provide technical advice and assistance to lending staff as needed.
• Assist in the credit decisions of the loan portfolio of the Bank. Assist in preparation of stress testing functions for loan portfolio.
• Comply with all laws, regulations, standards, and values that support the Bank's commitment to customer service and confidence and to the reputation of the Bank as described in the Team Member Handbook

Skills

Credit analysis

Financial data interpretation

Attention to detail

Education

College degree in Finance or Accounting

2+ years in financial institution

Prefer bachelor’s in business/finance/accounting

Tools

Microsoft Word

Microsoft Excel

PowerPoint

Job description

Kleberg Bank, N.A. in Corpus Christi, TX is seeking a Credit Analyst to evaluate loan requests by analyzing client financial data and risk exposure, determining the likelihood of repayment.

You will prepare credit reports for lenders, support loan officers with timely analyses, and help set loan terms while ensuring compliance with applicable laws and internal policies. This is a full-time, in-person role requiring strong financial acumen and clear communication.