Credit Analyst-2

IBC Bank successes are the result of an aggressive and innovative attitude. The Bank's "We Do More" philosophy reflects it's dedication to the growth and success of it's employees, customers and communities. IBC bank hires talented, creative and dedicated individuals to help our business succeed. We are a company that values leadership, community engagement and relationship building that leads to a culture of excellence. We are currently seeking to fill positions across all business segments. IBC's focus is to be customer centric and strive to provide excellent customer experience. Time Type: Full time Department: 202 Credit Administration Job Summary: The Credit Analyst is primarily responsible for performing Pre-Funding audits, Loan Documentation Reviews and Loan reviews, as well as other routine audits to ensure the accuracy and completeness of loan documents and bank records. Ensure loans are compliance with all State and Federal regulations. Job Description: ESSENTIAL JOB FUNCTIONS The statements on this job description are intended to describe the general nature of level of work being performed by incumbents. They are not an exhaustive list of all responsibilities, duties, and skills required by all incumbents. Perform pre-funding and post funding audits, loan document reviews and loan reviews to ensure documents are complete and correct. Prepare and verify reports used to support lending officers in the decision-making process, such as financial spreads, real estate evaluations, and amortization schedules. Perform routine system audits on loans in the bank’s system of record to validate completeness and accuracy Maintain accurate Real Estate and Credit files and prepare information for third party (examiners, auditors) as needed Enter loan documentation exceptions into the collateral tracking system Assist lending officers in clearing exceptions Attend and participate in the Credit Quality, Executive Committee and Board meeting as required Ensure the loans are in compliance with bank, state, and federal regulations Other duties as assigned SKILLS Excellent verbal and written communication skills Good organizational skills Critical and analytical skills Microsoft Word, Excel, and Outlook EDUCATION 4-year Business degree. Preferably in Finance or Accounting. IBC Bank was founded in 1966 to meet the needs of small businesses in Laredo, Texas. Today it is one of the largest holding companies in Texas serving 90 communities throughout Texas and Oklahoma with 191 branches and 288 ATM's. The bank's success is a result of an aggressive and innovative attitude. The Bank's "We Do More" philosophy reflects it's dedication to the growth and success of it's employees, customers and communities. Our commitment to "Do More" for the communities we serve permeates our company from top down. The success of IBC and it's 50 consecutive years of growth and profitability are due to strong leadership, customer centric business philosophy and our motto of "Doing More" in our communities. Wait there's more! We offer a comprehensive benefits package, based on eligibility, benefits include: Medical Plan Employer Paid Life Insurance Flexible Spending Program 401k Profit Sharing Program Supplemental Benefit Programs such as: Vision, Dental, Disability Tuition Assistance Program Employee Computer Purchase Program Sick Leave Vacation Paid Holidays