Senior Credit Analyst (23-129)

Senior Credit Analyst

Location:  College Station, TX

Summary: Prepares written in-depth credit analysis and underwriting for complex Commercial Real Estate and Commercial & Industrial loans.  Under the direction of the Senior Credit Officer, the position would be responsible for the review and decisioning of credit requests within defined loan authority. 

Job Functions:

• Spreads financial statements and prepares comprehensive financial analysis on the creditworthiness of the borrower and guarantors.
• Creates Pro-Forma analysis to assess the borrower/guarantors ability to repay current and proposed debt obligations.
• Prepares written analysis on large and complex lending relationships including preparation of the credit authorization package for SLC/DLC discussion.  
• Fosters a strong working relationship with the Lenders and Portfolio Managers 
• Provides recommendations on loan structure, loan monitoring and other lending related matters
• Makes recommendations on approval or declination of loan requests.
• Review appraisals and environmental reports.
• Provides guidance and acts as a resource to less experienced analysts 
• Works with FIMAC analytic or other Stress testing software and prepares reports, as required
• Prepares periodic reports and studies on the loan portfolio for the benefit of Senior Management and Directorate, as needed.
• Serves as a back-up for the Senior Credit Officer
• Perform other tasks and assist in projects as needed.

Position Requirements:

• Bachelor’s Degree in Accounting or Finance is required.  Advanced degree is preferable.
• Formal Bank Commercial Credit training 
• Minimum of 6 years of Commercial/CRE lending/credit experience with 5 years dedicated to commercial credit underwriting with increasing levels of responsibility.
• Knowledgeable of MS Office Suite programs, credit analysis software and core operating systems
• Knowledgeable in financial institution operating policies and procedures and banking regulations state and federal.

Key Qualifications:

• Demonstrated skill in analysis and interpretation of business and individual financial statements, tax returns, and cash flows.
• Thorough understanding of commercial real estate project analysis, real estate appraisal reviews and environmental evaluation reviews.
• Ability to define problems, aggregate facts, draw valid conclusions and provide recommendations for resolution.  
• Working knowledge of all applicable Bank products and services.
• Excellent problem-solving skills 
• Detail oriented, good organizational, interpersonal, communications and writing skills.