Senior Credit Analyst (23-129)

The Adam Corporation/Group; College Station (TX); On-site; USD 80,000 - 100,000; Full time

Job summary

A leading company in College Station is seeking a Senior Credit Analyst to conduct in-depth credit analysis and underwriting for complex loans. The role involves preparing financial assessments, fostering relationships with lenders, and providing recommendations on loan structures. Ideal candidates will have significant experience in commercial credit underwriting and a strong understanding of financial regulations. This full-time position offers the opportunity to work closely with senior management and contribute to critical lending decisions.

Qualifications

• Minimum of 6 years of Commercial/CRE lending/credit experience.
• 5+ years dedicated to commercial credit underwriting.

Responsibilities

• Prepares written in-depth credit analysis and underwriting.
• Makes recommendations on approval or declination of loan requests.
• Serves as a back-up for the Senior Credit Officer.

Skills

Financial Analysis

Problem Solving

Communication

Education

Bachelor’s Degree in Accounting or Finance

Advanced degree

Tools

MS Office Suite

Credit Analysis Software

Job description

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Join to apply for the Senior Credit Analyst (23-129) role at The Adam Corporation/Group

Location: College Station, TX

Senior Credit Analyst

Location: College Station, TX

Summary: Prepares written in-depth credit analysis and underwriting for complex Commercial Real Estate and Commercial & Industrial loans.Under the direction of the Senior Credit Officer, the position would be responsible for the review and decisioning of credit requests within defined loan authority.

Job Functions

• Spreads financial statements and prepares comprehensive financial analysis on the creditworthiness of the borrower and guarantors.
• Creates Pro-Forma analysis to assess the borrower/guarantors ability to repay current and proposed debt obligations.
• Prepares written analysis on large and complex lending relationships including preparation of the credit authorization package for SLC/DLC discussion.
• Fosters a strong working relationship with the Lenders and Portfolio Managers
• Provides recommendations on loan structure, loan monitoring and other lending related matters
• Makes recommendations on approval or declination of loan requests.
• Review appraisals and environmental reports.
• Provides guidance and acts as a resource to less experienced analysts
• Works with FIMAC analytic or other Stress testing software and prepares reports, as required
• Prepares periodic reports and studies on the loan portfolio for the benefit of Senior Management and Directorate, as needed.
• Serves as a back-up for the Senior Credit Officer
• Perform other tasks and assist in projects as needed.
  
  

Position Requirements

• Bachelor’s Degree in Accounting or Finance is required.Advanced degree is preferable.
• Formal Bank Commercial Credit training
• Minimum of 6 years of Commercial/CRE lending/credit experience with 5+ years dedicated to commercial credit underwriting with increasing levels of responsibility.
• Knowledgeable of MS Office Suite programs, credit analysis software and core operating systems
• Knowledgeable in financial institution operating policies and procedures and banking regulations state and federal.
  
  

Key Qualifications

• Demonstrated skill in analysis and interpretation of business and individual financial statements, tax returns, and cash flows.
• Thorough understanding of commercial real estate project analysis, real estate appraisal reviews and environmental evaluation reviews.
• Ability to define problems, aggregate facts, draw valid conclusions and provide recommendations for resolution.
• Working knowledge of all applicable Bank products and services.
• Excellent problem-solving skills
• Detail oriented, good organizational, interpersonal, communications and writing skills.

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance and Sales

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