Entry-Level Credit Analyst: Financial Risk & Loans

Clear Fork Bank National Association; Abilene (TX); Sur place; USD 50 000 - 65 000; Plein temps

Résumé du poste

Clear Fork Bank National Association in Abilene, TX seeks an Entry-level Credit Analyst to assess creditworthiness, analyze financial statements, and support loan risk management. You will evaluate borrowers, prepare credit memos, and collaborate with loan officers to ensure regulatory compliance.

The role emphasizes strong analytical skills, attention to detail, and proficient use of Word and Excel. Excellent written and verbal communication are essential, with a professional approach to

Qualifications

• Proficient in Word and Excel with general office skills.
• Strong analytical skills and ability to interpret financial data.
• High attention to detail and accuracy.
• Excellent organizational and prioritizing abilities.
• Excellent verbal and written communication.
• Ability to read regulations and apply policy.

Responsabilités

• Evaluate borrowers' ability to repay loans based on financial metrics.
• Analyze financial statements, tax returns, and credit reports to assess creditworthiness.
• Assess risk across commercial, consumer, and mortgage loans.
• Prepare 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 financial statement spreading and analysis for loan customers.
• Perform underwriting duties including trend analysis and collateral assessment.
• Advise lending officers on regulatory and policy compliance.
• 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.
• Maintain relationships with loan officers and provide guidance for development.
• Prepare reports detailing findings and recommendations for management.
• Undertake additional tasks assigned by Management to support departmental functions.
• Must comply with all bank policies and procedures that are job related and/or consistent with business necessity.

Connaissances

Word

Excel

Office skills

Analytical skills

Attention to detail

Organizational skills

Communication skills

Credit analysis

Financial modeling

Description du poste

Clear Fork Bank National Association in Abilene, TX seeks an Entry-level Credit Analyst to assess creditworthiness, analyze financial statements, and support loan risk management. You will evaluate borrowers, prepare credit memos, and collaborate with loan officers to ensure regulatory compliance.

The role emphasizes strong analytical skills, attention to detail, and proficient use of Word and Excel. Excellent written and verbal communication are essential, with a professional approach to