Senior Credit Analyst

Hilltop Holdings; Fort Worth (TX); On-site; USD 70,000 - 90,000; Full time

Job summary

Hilltop Holdings is seeking a Senior Credit Analyst for PlainsCapital Bank in Fort Worth, Texas. This role involves comprehensive credit analysis and loan monitoring to support Loan Officers. Responsibilities include analyzing financial statements, preparing detailed analyses, and mentoring junior analysts.

Applicants should have a Bachelor’s degree in Business, Accounting, or Finance and over five years of credit analysis experience. Strong communication and analytical skills are essential for success in this role.

Qualifications

• 5+ years of experience in credit analysis required, preferably in commercial loans.
• Completion of a formal bank Credit Training program is strongly preferred.
• Must be self-motivated with strong initiative and attention to detail.

Responsibilities

• Analyzes financial statements and supports loan officers.
• Prepares written analyses and economic market conditions.
• Participates in customer meetings and performs appraisal reviews.

Skills

Credit analysis

Communication skills

Time management

Analytical skills

Problem-solving skills

Education

Bachelor’s degree in Business or related field

Accounting or Finance degree

Tools

Microsoft Office products

Job description

The Senior Credit Analyst with PlainsCapital Bank provides full service credit analysis and loan monitoring to support Loan Officers within a designated market. Through fully analyzing complex commercial loans (CRE, C&I, Term requests), identifying strengths and weaknesses, providing recommendations, and noting any deviations from the Loan Policy as appropriate. Also, performs appraisal reviews for, mentors junior credit analysts and participates in customer meetings as requested by loan officers.

Responsibilities

• Analyzes financial statements (including performance ratios) of all levels of quality to develop initial assessment by identifying strengths and weaknesses as pertaining to borrower’s historical operating performance.
• Prepares written analyses which include;
• credit investigation of the borrower and guarantors;
• economic and market conditions as they relate to the company, industry, and market area;
• in-depth historical financial analysis, including communicating with the borrower’s accountant to gain a better understanding of the company’s accounting practices;
• in-depth projection financial analysis, including the performance of “what if” scenarios that test the reasonableness of the projections;
• in-depth analysis of the secondary sources of repayment such as collateral;
• in-depth analysis of a guarantor’s financial position;
• strengths and weaknesses
• Collects and maintains industry data; researches industry specific information from outside sources, including conversations with the borrower, industry publications, references from other banks, credit agencies, as well as accessing information through the internet.
• Attends Loan Committee, Board Committees, as appropriate, to be available to answer questions regarding credit analysis as necessary.
• Participates in customer meetings as requested by officers (may require travel at times).
• Performs real estate appraisal reviews for lenders in all regions.
• Performs vehicle floor plan inspections and reports finding to lending management.
• Processes and establishes accountability pertaining to Commercial Loan Agreement requirements/covenants.
• May monitor periodic inspections pertaining to real estate construction projects – loan advances versus project completion.
• Mentor less experienced credit analysts.
• Other duties as required.

Qualifications

• Bachelor’s degree in Business or related field required. Accounting or Finance degree strongly preferred.
• 5+ years of experience in credit analysis required, preferably in commercial loans.
• Completion of a formal bank Credit Training program is strongly preferred.
• Excellent verbal, written and interpersonal communication skills.
• Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems.
• Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment.
• Must be self-motivated with strong initiative, accountability, and attention to detail.

The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company

Work Hours

• Work Hours Monday - Friday, 8 a.m - 5 p.m