Location
San Antonio, TX | United States
Job description
Job Description
Job Title : Commercial Credit Analyst
Summary :
Primary purpose of the position is to analyze and monitor credit worthiness of the bank's customers and potential customers. The person analyzes financial statements, tax returns, and bank references to evaluate the financial condition of individuals and businesses applying for credit with the bank. Makes recommendations on credit lines consistent with bank policy and guidelines
Wage Type : Salaried Exempt
Essential Duties & Responsibilities:
To perform this job successfully, an individual must be able to perform each of the essential duties satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Obtains loan request information from commercial lenders and/or the banks borrowers to analyze credit information, financial statements and other related information pertaining to the loans.
- Researches background documentation and reviews personal and business financial statements and tax returns. Analyzes financial information and prepares the preliminary analysis for the lender and Chief Credit Officer.
- Request and obtains financial statement on existing customers.
- Reviews and prepares written analysis, spreadsheets, reports, summaries and opinions.
- Prepares or assists in the preparation of loan memorandum for presentation to lenders and/or loan committees.
- Meets with current and potential clients to review and evaluate financial conditions.
- Follow all applicable laws and regulations.
- Carries out responsibilities with professionalism, respect for others, in accordance with the organization's policies and applicable laws
- Prepares miscellaneous management reports.
- Any other duties as assigned.
- Carries out responsibilities in a manner consistent with our values and operating principles, in accordance with policy and applicable laws, and with a commitment to commitment to continuous improvement and process excellence.
- Any other duties as assigned.
Key Deliverables :
- High quality & profitable credits
- Customer Satisfaction & Retention
- Credit Compliance
Organizational Structure :
Reports to: VP Credit Operations
Supervises: None
Qualifications:
Required Knowledge/Skills:
- Minimum Bachelor's degree in Finance, Business, or Economics. MBA preferred.
- Formal credit training.
- 2 - 3 Years Banking or financial services experience
- Proficient in MS Office Products
- Strong skills in MS Excel
- Strong mathematical skills
- Excellent Communication Skills (interpersonal, presentation, and writing)
- Strong Time Management & Organizational Skills
Talents:
- Works to understand complex commercial banking relationships.
- Results oriented.
- Exceptional time management and organizational skills.
- Analytical ability to understand financial and cash flow analysis.
- Working knowledge of commercial real estate and C & I lending practices.
- Outstanding interpersonal and communication skills.
- Proven ability to effectively present information and respond to questions.
Other :
- Corrected vision.
- Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form.
- Must be able to lift to 20 pounds.
Job tags
Salary
