Senior Credit Analyst

gpac; Dallas (TX); On-site; USD 75,000 - 110,000; Full time

Job summary

gpac is seeking a Full-Time Senior Credit Analyst in Dallas, TX to join our lending team. The role focuses on underwriting and credit analysis across commercial, consumer, and real estate loans, ensuring compliance with loan covenants and reporting requirements. You will review financial statements, third-party reports, and market data, and support risk management decisions. A bachelor's degree in finance or accounting and underwriting experience are required, with nCino experience preferred.

Qualifications

• Bachelor's degree in finance, accounting or related field.
• Minimum 12 hours of college-level accounting including Intermediate I & II.
• Prior nCino experience required.

Responsibilities

• Perform financial covenant calculations for compliance monitoring and exceptions.
• Manage required financial reporting and compliance certificates for loan customers.
• Determine violations within loan agreements for credit committee consideration.
• Conduct financial analysis and annual loan reviews for risk assessment.
• Perform portfolio reviews across loan types for asset quality and documentation.

Skills

Excel macros

Pivot tables

Formulas

KPI analysis

Data interpretation

Communication skills

Travel

Education

Bachelor's degree in finance or accounting

Accounting coursework: Intermediate I & II

Prior nCino experience

Job description

We are currently searching for the right person to join our team as a Full-Time Senior Credit Analyst.

Job Duties

• Perform financial covenant calculations for compliance monitoring and exceptions required on customer within the bank.
• Manage required financial reporting, compliance certificates and other required reporting such as rent rolls, borrowing bases, and other loan agreement requirements for customers within the bank.
• Determine any violations within loan agreements for customers within the bank being monitored for credit committee.
• Performs financial analysis, complete annual review loan packages, and make recommendations on existing credits for risk grading and exposure limits.
• Perform regular loan portfolio reviews based on risk and/or size of all credit types (commercial, consumer, residential, equipment, Small Business Administration, mortgage, HELOC, participations, etc.) for asset quality, thorough and accurate documentation and compliance with relevant state and federal regulations.
• Determines credit worthiness by analyzing various commercial credit vehicles including financial statements (Balance Sheet, Income Statement, and Statement of Cash Flow), commercial credit bureau reports (Dun and Bradstreet, Experian & Equifax), SEC Filings, bond ratings, grants, tax returns, letters of credit, and budgetary information.
• Review third party reports, cash flow analysis, credit strength, property characteristics and all other information pertinent to the credit decision process on each application.
• Monitors and tests compliance with loan covenants and conditions, prepares borrowing bases and assists in draw processing for a lending relationship.
• Uses a thorough understanding of the Bank's underwriting guidelines as well as analytical skills to produce basic to intermediate credit analysis for new extensions of credit, renewals of credit, annual reviews, modifications and other assignments.
• Prepares annual reviews for lending relationships by analyzing updated financial information along with current market/industry data to verify continuing credit worthiness of borrowers, recommending adjustments to the risk profile of the relationship accordingly.
• Assist with creating and distributing job related managerial reports.
• Comply with all federal, state and local regulatory rules and regulations governing financial institutions, as well as all Company policies and procedures.
• Complete and pass all required regulatory compliance training as assigned.
• Participate in special lending-related projects and meetings as directed.
• Perform any additional duties and tasks assigned by management.

About You

Qualifications & Skills:

• Intermediate Excel capabilities including macros, pivot tables and formulas
• Ability to use key performance metrics and data to provide insights and make strategic business recommendations
• Ability to organize, analyze and interpret data to explain complex irregularities or trends
• Strong communication and presentation skills
• Travel to business locations will be required.

Work Schedule:

Monday-Friday from 8am to 5pm with a 1 hour lunch break.

Education, Experience & Licenses

• Bachelor's degree ( finance, accounting, or related field)
• Minimum 12 hours of college level accounting; including intermediate accounting I & II required
• Prior nCino experience required
• At least 3 years of underwriting experience required.

All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations.