Hours/Week: 40 Status: Full-Time Location: Houston, TX Reports to (Position): Credit Manager # Direct Reports: 0
Position Summary:Work closely with the Credit Manager to underwrite and recommend disposition of credit requests of the Bank. Review financial and collateral data on existing borrowing relationships, analyzing risk factors for annual portfolio reviews. Develop skills and build a network in an energetic environment. Scrutinize financial data such as market share, income growth, and management quality to decide if loans will be lucrative.
Essential Duties and Responsibilities:
Preparation of spreadsheets and profitability models
Preparation of cash flow analyses in a spreadsheet format
Assist Lenders prepare loan packages for Loan Committee, which may include the above components plus:
Credit Authorization Request, “CAR” (Q & A) & CA modifications
Credit Investigations (Credit bureau)
Analytical essay which includes historical financial analysis of the existing/potential borrower and should cover the following topics:
Summary of background and operations
Management evaluation (ownership)
Industry and competition (Outside sources: Value Line, RMA, Bloomberg, S & P, IBIS World, CoStar)
Financial analysis (historical-profitability, cash flow, liquidity, capital resources, projections)
Other: Officer comments, collateral evaluation, recommendation to approve or decline with statement supporting recommendation; attend Loan Committee meetings
Working closely with assigned regional Commercial Lenders on day-to-day business tasks
Adherence to the Bank’s BSA/AML policy and procedures, and professional ethical standards.
Any and all other duties as requested by management.
Required Skills/Qualifications:
Degree: ? Preferred ? Required ? N/ASpecify: BBA- Finance, Accounting or Business
RMA Certification preferred
Strong Interest in business, finance and business development
5+ years experience as a Credit Analyst in the Banking industry
Proficiency in MS Word, Excel, Adobe
Excellent analytical, problem-solving and decision-making skills
Multitasking and prioritization skills
Strong interpersonal, written and oral communication skills
Ability to uphold privacy and confidentiality
Strong integrity and ethics at all times
Strong focus and diligence with great attention to details
Working Conditions:
Professional banking environment, deadlines, moderate noise level
Physical Requirements: Indicate % of workday
Requirement
%
Requirement
%
Stand
05
Sit
85
Kneel
05
Lift 10- 25 Pounds
05
Repetitive Tasks
60
Computer Keyboard
70
Possible Travel
15
The above statements are intended to describe the general nature and level of work performed in this position. They are not intended as an exhaustive list of all duties and responsibilities.
Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected Veteran status.