Credit Analyst

Job Overview:
We are seeking a highly skilled and detail-oriented Credit Analyst to join our team. As a Credit Analyst, you will be responsible for providing underwriting for the bank's credit requests and renewals. Your expertise in financial analysis and risk assessment will play a crucial role in determining credit limits and terms for our clients.

Responsibilities:

• Assess the creditworthiness of loan requests: new, renewed, or prospective

• Understand how business financial statements correlate and why each is necessary in risk assessment

• Provide detailed financial analysis, which includes ratio analysis, trend analysis, and profitability margins

• Prepare comprehensive collateral assessments to assess the Bank’s risk exposure

• Credit risk assessment and potential external factors affecting repayment or the borrower's industry

• Prepare concise and objective based Credit Memorandums

• Prepare other documentation, as required, considered during the credit approval process

• Monitor loan agreements for compliance, report findings to Lending Officers, and prepare exception reports or summaries

• Design, prepare, and review management reports, including but not limited to documentation exceptions, collateral margins, and other reports deemed necessary to satisfy both internal and regulatory reporting requirements

• Adherence to credit policy and bank underwriting guidelines

Qualifications:

• Proficient in Microsoft Excel
• Up to date with legal, compliance, and market risk-related issues
• Ability to analyze cash flows, leverage, collateral, customer strength, and financial ratios
• Strong communication and presentation skills
• Sound judgement
• Ability to work in a team‐based atmosphere
• Strong work ethic with the desire to learn about credit and the importance thereof
• BS degree in Finance, Accounting, Economics, or a related field
• Regular and punctual attendance is required for this role

Education and Experience:

• BS degree in Finance, Accounting, Economics, or a related field, or equivalent experience
• Previous underwriting experience is not required; however, general banking experience is preferred. Harmony Bank will provide credit training for all new hires, regardless of experience level.

If you are a meticulous individual with a passion for financial analysis and risk assessment, we encourage you to apply for this exciting opportunity. Join our team as a Credit Analyst and contribute to our mission of providing responsible lending solutions.

Harmony Bank is an equal opportunity and affirmative action employer. Qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as protected veterans.

Job Type: Full-time

Benefits:

• 401(k)
• 401(k) 5% Match
• Dental insurance
• Employee assistance program
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Vision insurance

Schedule:

• Monday to Friday

Ability to Relocate:

• Dallas, TX: Relocate before starting work (Required)

Work Location: In person