Senior Commercial Credit Analyst — Strategic Lending Expert

Southside Bancshares, Inc.; Houston (TX); Presencial; USD 90.000 - 120.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Medical, Prescription Drugs, Dental, &

Vision Insurance

Insurance Eligibility for Team Members

401(k) with a Match

Life Insurance

Paid Time Off

Paid Bank Holidays

Workplace Wellness Programs

Employee Assistance Programs

Tuition Reimbursement

Descripción de la vacante

Southside Bancshares, Inc. in Houston, TX seeks a Senior Credit Analyst to perform underwriting and in-depth credit analysis for the bank’s largest loan requests.

You will support commercial loan officers and executive management with detailed analysis and recommendations. The role requires 5–7 years of credit experience, a four-year business degree, and strong knowledge of spreadsheets, financial accounting, and lending systems.

Formación

• Four-year degree from an accredited college or university in business administration or other related area of study or equivalent education and experience relevant to lending activities in a financial institution.
• A minimum of 5-7 years of credit experience with a track record of consistently increasing responsibilities and work knowledge.
• Superior loan evaluation ability and ability to conduct analysis.
• Proficiency in overall computer applications including ability to prepare spreadsheets and professional reports.
• High level of competency and comfort with financial accounting concepts.
• Must be proficient in lending systems and risk scoring models.

Responsabilidades

• Performs initial due diligence, analysis, and underwriting of large and/or complicated transactions.
• Analyzes financial statements and produces thorough credit memorandums for commercial loan transactions.
• Prepares written reports which include credit profile of the borrower and guarantors, economic and market conditions, historical and projected financial analyses, and collateral/guarantor assessments.
• Collects and maintains industry data and researches industry-specific information from outside sources.
• May attend meetings with prospective and current borrowers to provide input on credit terms and assist in the business development process.
• Stays informed of current and emerging legal, compliance and market matters involving the approval of credit.

Conocimientos

Loan evaluation

Spreadsheets

Financial accounting

Lending systems

Risk scoring models

Educación

Bachelor's degree in business administration or related field

Descripción del empleo

Southside Bancshares, Inc. in Houston, TX seeks a Senior Credit Analyst to perform underwriting and in-depth credit analysis for the bank’s largest loan requests.

You will support commercial loan officers and executive management with detailed analysis and recommendations. The role requires 5–7 years of credit experience, a four-year business degree, and strong knowledge of spreadsheets, financial accounting, and lending systems.