Junior Credit Analyst: Analyze Loans & Shape Credit

First United Bank; Schertz (TX); On-site; USD 52,000 - 76,000; Full time

Job summary

First United Bank is seeking a Credit Analyst I in Schertz, TX. The role focuses on analyzing the financial condition and creditworthiness of individuals and businesses applying for credit, using historical analyses and cash flow projections.

You will prepare memos and reports for Loan Officers, and support lending decisions through detailed financial review. Qualified candidates have a finance or accounting background, 3–5 years of credit analysis experience, and proficiency with credit systems

Qualifications

• Bachelor’s degree in Finance, Accounting or related field.
• 3–5 years of credit analysis experience.
• Six months experience with credit systems.
• Underwriting expertise in one or more lending areas (e.g. CRE or C&I).

Responsibilities

• Analyzes loan data for new, renewal and existing loans.
• Prepares memos, spreadsheets, reports and opinions for Loan Officers.
• Manages bank exposure and structures transactions per policy.
• Maintains loan files and notifies Officers of potential problems.
• Performs credit inquiries and supports training of Analysts.

Skills

Financial analysis

Excel proficiency

Credit underwriting

Credit memo prep

Education

Bachelor’s degree in Finance, Accounting or related field

Tools

Credit systems

Job description

First United Bank is seeking a Credit Analyst I in Schertz, TX. The role focuses on analyzing the financial condition and creditworthiness of individuals and businesses applying for credit, using historical analyses and cash flow projections.

You will prepare memos and reports for Loan Officers, and support lending decisions through detailed financial review. Qualified candidates have a finance or accounting background, 3–5 years of credit analysis experience, and proficiency with credit systems