Sr. Credit Analyst

texasfirstbank; Houston (TX); On-site; USD 80,000 - 120,000; Full time

Job summary

Texas First Bank in Houston is seeking a seasoned Credit Analyst to support the commercial lending team with financial and credit analysis, underwriting, and presentation of loan recommendations.

You will analyze financial statements, stress test portfolios, monitor risk, and ensure regulatory compliance while collaborating with Relationship Managers and Senior Management.

Qualifications

• Bachelor’s degree in business, accounting or finance with strong financial accounting.
• Minimum of five years of credit and underwriting experience.
• Advanced knowledge of financial statements.
• Strong analytical and risk assessment skills.
• Proficiency in MS Office programs.

Responsibilities

• Analyze balance sheets, income statements and cash flow for all types of credits.
• Prepare loan presentations with Relationship Manager and senior staff.
• Perform loan and portfolio stress testing of financial results and collateral.
• Spread financial statements accurately.
• Monitor loan covenants and assess creditworthiness of clients.
• Stay informed on regulatory requirements in underwriting processes.
• Participate in bank-wide projects such as loan reviews and audits.
• Other duties as assigned by management.

Skills

Financial analysis

Credit analysis

Underwriting

Analytical thinking

Communication

Education

Bachelor’s Degree in Business Administration, Accounting or Finance

Tools

Microsoft Office

Excel

Word/Outlook

Job description

Join Texas First!

Founded in 1973, Texas First Bank is a fast-growing community bank with 27 locations across Southeast Texas. Our people are our greatest asset, and we’re dedicated to helping employees and communities thrive.

Position Overview:

Supports the commercial lending team through financial and credit analysis and underwriting processes by gathering, analyzing, and interpreting all types of credit information on existing and prospective clients and portfolios. Makes recommendations and supports decisions regarding the extension of credit for diverse loan types. Prepares credit presentations to Relationship Managers and committees for use in making credit decisions on new, renewal and extension loans. Monitors customer accounts and loan portfolios to maximize credit quality and minimize risk and potential loss. Supports the analytical processes involved in determining board reporting; regulatory reporting; credit portfolio stress testing; internal and external loan review; and financial auditing.

Essential Duties and Responsibilities include the following.

• Analyzing financial information such as balance sheets, income and cash flow statements, and periodic financial reporting of all types.


• Prepare, review, and discuss loan presentation with the Relationship Manager, Senior Management, and/or Chief Credit Officer.


• Perform loan and portfolio level stress testing of financial results, collateral, and credit variables.


• Accurately spread financial statements.


• Recognize patterns and trends within financial presentation and address them as necessary for a complete relationship analysis.


• Track compliance with loan agreement covenants on significant relationships.


• Assessing the overall credit worthiness of client companies.


• Stay informed of regulatory, policy and procedural requirements to ensure compliance throughout the underwriting and credit administration processes.


• Keep well informed as to market conditions as it relates to assessing risk in credit transactions.


• Participate in special projects throughout the year such as loan review, audit, bank peer analysis.


• Performs other duties as assigned from time to time by management of the bank.

Education and Special Requirements

• Bachelor’s Degree in Business Administration, Accounting or Finance with a strong basis in financial accounting.


• A minimum of five (5) years of experience in credit and underwriting.


• Advanced knowledge of financial statements.


• Strong analytical skills with an ability to interpret complex financial information and identify relevant risks.


• Strong verbal and written communication skills.


• Able to function in a high attention to detail, deadline-oriented environment.


• Ability to work on multiple transactions simultaneously and prioritized assignments to meet deadlines.


• Basic knowledge of credit administration, policy, and procedures.


• Proficiency in Microsoft Office (Word, Excel, and Outlook).


• Ability to lift and/or move up to 25 lbs.


• Sit at a desk and computer terminal for extended time periods.


• Typical work hours Monday-Friday, 8:00 AM-5:00 PM.

Salary Grade 08

EOE/Disability/Veteran