What are the responsibilities and job description for the Senior Commercial Credit Analyst position at TexasBank?
The Senior Commercial Loan Analyst is responsible for supporting the preparation of loan packages from start to finish and the monitoring and analysis of existing commercial loan customers while also developing and training a junior analyst.
The following duties are not intended to serve as a comprehensive list of all duties required in this position. This job description is intended to provide a representative summary of the major duties and responsibilities. This role may not be required to perform all duties listed and may be required to perform additional duties as requested.
Job Duties and Essential Functions:
- Analyze credit data and financial statements of individuals and commercial firms to assist in the determination of the degree of risk involved in extending credit
- Scrutinize additional data such as industry trends, market share, competition and management quality to support an extension of new credit or to monitor the performance of existing borrowers.
- Assist commercial loan officers in consolidating analytical data into a comprehensive loan package narrative to be presented for approval.
- Lead analysis and monitoring of existing customers with annual reviews, compliance certifications and other related reporting requirements.
- Assist in the creation and maintenance of various reports for department, regulatory and board purposes.
- Provide training and mentoring for one or two assigned junior analysts.
- Perform other duties as assigned.
- Regular and timely physical attendance during assigned work hours.
- Work effectively as a member of the TexasBank Team
- Ensure confidentiality of personnel records and all other discretionary information.
MINIMUM REQUIREMENTS:
- Bachelor’s degree
- Minimum of 2-4 years of related experience and/or training; or equivalent combination of education and experience.
- Experience in Formal Credit Training preferred
- Excellent verbal and written communications skills
- Proficiency in Spreadsheet Software including RMA or Sageworks
- Proficiency in Microsoft Office Applications including Excel, PowerPoint, and Word
WORKING CONDITIONS:
- Air-conditioned office environment
PHYSICAL DEMANDS:
- Sit for extended periods of time
- Walk, stand, bend, squat, twist, and reach
- Simple grasping and fine manipulation
- Extended keyboarding