Senior Credit Analyst

gpac; Houston (TX); On-site; USD 80,000 - 105,000; Full time

Job summary

gpac seeks a Full-Time Senior Credit Analyst in Houston to perform financial covenant calculations, monitor loan compliance, and support credit decisions. You will evaluate borrower financials, cash flow, and third-party reports to determine credit risk and ensure adherence to loan terms.

Strong Excel skills and nCino experience are preferred as you prepare annual reviews and collaborate with lending teams.

Qualifications

• 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.

Responsibilities

• Perform financial covenant calculations for compliance monitoring and exceptions.
• Manage required financial reporting such as rent rolls and borrowing bases.
• Determine violations within loan agreements for credit committee.
• Conduct financial analysis, annual reviews, and risk grading of credits.
• Perform loan portfolio reviews for asset quality and documentation.
• Assess credit worthiness using financial statements, bureaus, SEC filings, and tax data.
• Review third party reports and cash flow, support credit decisions.
• Ensure compliance with underwriting guidelines and regulatory rules.
• Prepare annual reviews and assist in reporting to management.

Skills

Excel macros

Pivot tables

Data analysis

Communication

Travel required

Education

Bachelor's degree in finance or accounting

12 credit hours of accounting (I & II)

Tools

nCino

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.