Credit Risk & Loan Analysis Specialist

Clear-Fork-Bank; Abilene (TX); On-site; USD 70,000 - 90,000; Full time

Job summary

Clear Fork Bank is seeking a Credit Analyst to assess loan applicants’ creditworthiness and manage credit risk for the bank in Texas.

You will analyze financial statements, tax returns, and credit reports, evaluate commercial, consumer, and mortgage loans, and prepare credit memorandums with recommendations for loan approvals.

Collaborating with loan officers and underwriters, you will monitor portfolios, stay compliant with regulations, and contribute to risk mitigation and policy adherence.

Responsibilities

• Evaluate borrowers' ability to repay loans based on financial metrics and projections.
• Analyze financial statements, tax returns, and credit reports to assess creditworthiness.
• Assess risk associated with various loan types including commercial, consumer, and mortgage loans.
• Prepare comprehensive credit memorandums and recommendations for loan approvals.
• Collaborate with loan officers and underwriters to gather necessary information.
• Monitor loan portfolios for potential credit risks and recommend mitigation strategies.
• Stay updated on regulatory requirements and industry best practices.
• Conduct loan reviews and stress test analysis.
• Assist with risk management functions and ensure compliance with policies and regulations.
• Evaluate loan structures and identify potential credit quality problems.

Job description

Clear Fork Bank is seeking a Credit Analyst to assess loan applicants’ creditworthiness and manage credit risk for the bank in Texas.

You will analyze financial statements, tax returns, and credit reports, evaluate commercial, consumer, and mortgage loans, and prepare credit memorandums with recommendations for loan approvals.

Collaborating with loan officers and underwriters, you will monitor portfolios, stay compliant with regulations, and contribute to risk mitigation and policy adherence.