Senior Credit Analyst- ON-SITE HOUSTON, TX

Southside Bank; Houston (TX); On-site; USD 90,000 - 140,000; Full time

Benefits offered by this job

Health insurance

401(k) match

Life insurance

Paid time off

Paid holidays

Wellness programs

Employee assistance

Job summary

Southside Bank seeks an experienced Commercial Credit Analyst to evaluate large and complex loan requests, supporting loan officers and executives with detailed analyses and reasoned recommendations.

Responsibilities include due diligence, credit memorandum preparation, and reporting while ensuring adherence to policy and regulatory requirements. Collaboration with teams and ongoing professional development are expected.

Qualifications

• Four-year degree in business administration or related field or equivalent education/experience.
• 5–7 years of credit experience with increasing responsibilities.
• Strong ability to analyze financial statements and underwrite complex loans.
• Proficient in spreadsheets and professional reports; comfortable with accounting concepts.

Responsibilities

• Perform due diligence, analysis, and underwriting of large/complex loan transactions.
• Analyze financial statements and prepare comprehensive credit memorandums.

Skills

Credit analysis

Financial analysis

Underwriting

Reporting

Policy compliance

Education

Bachelor’s degree in business or related field

Equivalent education/experience in lending

Tools

Lending systems

Risk scoring models

Job description

• Medical, Prescription Drugs, Dental, and Vision Insurance
• Insurance Eligibility for Team Members and Dependents Starting on the First Day of Employment
• 401(k) with a Match
• Basic, Voluntary, and Dependent Life Insurance
• Paid Time Off
• Paid Bank Holidays
• Workplace Wellness Programs
• Employee Assistance Programs
• Tuition Reimbursement

Job Summary

Responsible for commercial credit analysis on the bank's largest and most complicated loan requests. This individual will provide customer service to commercial loan officers and executive management through analyzing commercial loan requests, identifying strengths and weaknesses, providing recommendations and noting any deviations from policy as appropriate. This individual may also be responsible for producing periodic management reporting and other projects as necessary.

Essential Functions

• 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 as related to company and industry; in depth historical financial analysis; in-depth projection financial analysis, including the performance of "what if" scenarios that test the reasonableness of projections; in-depth analysis of the secondary sources of repayment such as collateral; and in-depth analysis of a guarantor’s financial position.
• Collects and maintains industry data and researches industry specific information from outside sources.
• May attend meetings with prospective and current borrowers, in order 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.
• Continues professional development through training, seminars, membership in professional associations, as applicable.
• Provides leadership to others through example and sharing of knowledge/skill.
• Maintains confidentiality of all sensitive Bank information.
• Maintains a positive and caring atmosphere for customers and employees consistent with Southside Bank's mission, CORE Values, and Blue Book culture guide.
• Provides enthusiastic, professional, and courteous service to Southside Bank customers and employees.
• Participates in proactive team efforts to achieve departmental and company goals.
• Understands and agrees to abide by the policies and procedures established at Southside Bank.
• Responsible for complying with audit policies and procedures as they pertain to this position.
• Performs duties in compliance with applicable laws and regulations, including but not limited to the Bank Secrecy Act (BSA) and related anti-money laundering laws, and in accordance with the Bank's Information Security Program.
• Must comply with all applicable laws and regulations.

Additional Functions

• Complies with all safety policies, practices, and procedures. Report all unsafe activities to supervisor and/or Human Resources.
• Performs additional duties, as assigned or directed.

Required Education/Experience

• 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.

Necessary Skills

• 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.

Physical Activity/Dexterity

• Manual dexterity sufficient to reach/handle items and work with fingers. Works with fingers and perceives attributes of objects and materials.

Physical Environment Demands

• Must be able to remain in a stationary position 90% of the time.
• The person in this position needs to occasionally move about inside the office to visit other offices, conference rooms, office machinery, etc.
• Constantly operates a computer and other office productivity machinery, such as a calculator, copy machine, and telephone.
• Constantly positions self to operate on a computer.
• The person in this position frequently communicates with other people throughout each day. Must be able to exchange accurate information when conversing.

Working Conditions/Environment

• Well-lighted, heated and/or air-conditioned indoor office setting with adequate ventilation.
• Moderate noise (e.g. business office with computers and printers, light traffic).

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)