Credit Analyst I

The Credit Analyst I will support Texas Partners Bank commercial, private banking, and business banking divisions by researching and calculating risks for simple commercial transactions such as granting businesses loans and extending lines of credit for equipment and other goods. The Credit Analyst I is required to be a quantitative thinker who can take into consideration many variables to make evaluations. This position works as part of the Credit team and interacts with management, other departments and clients requiring good communications and interpersonal skills. The Credit Analyst I will manage a variety of portfolios to include customer service, problem solving, maintenance, renewals, modifications, and information flow, along with all other duties of a Credit Analyst. This position will assist the Relationship Managers with prospective clients as needed. Must be a subject matter expert of the Express Business Loan product and familiar with standard concepts, practices, and procedures within the Commercial Lending and Credit Analyst field. Relies on limited experience and judgement to plan and accomplish goals. Performs a variety of tasks. Works under general supervision with a certain degree of creativity and latitude required. Always ensures excellent internal and external client relations.

• Prepare, originate, and organize Express Business Loan applications in loan software.
• Analyze credit worthiness of all current and prospective business customers.
• Obtain, investigate, and analyze credit data, records and spread financial statements. Confer with credit association and other business representatives to exchange credit information.
• As needed, provide in-depth written analysis of commercial credit requests outside of Express Business Loans.
• Recommend loan structuring.
• Process all Express Business Loan applications within 24 hours and ready for review by upper management.
• Prepare internal monthly reports that include the degree of risk involved in extending credit or lending money for Express Business Loan applications.
• Perform periodic reviews and risk ratings of existing borrowers and key vendors
• Ensure adherence to commercial loan policy standards, procedures, regulations, and laws for Express Business Loan applications.
• Assist Credit Supervisor and Credit Analysts as required with other credit duties.
• Ensure loan policy exceptions are documented and discussed appropriately in credit approval documents.

Skills:

• Active Listening - Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
• Speaking - Talking to others to convey information effectively.
• Reading and Written Comprehension - Understanding written sentences and paragraphs in work related documents; proficient in business writing.
• Mathematics - Using mathematics to solve problems.
• Critical Thinking - Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems, sound judgement and decision-making.
• Service Orientation - Actively looking for ways to help people.
• Ability to prioritize and meet deadlines.
• Unquestionable ethics, detail oriented and strong organizational skills.
• Proficient with various Microsoft applications and Internet based applications.
• Ability to work well in a team environment that promotes inclusiveness and communication among team members.
• Flexible; ability to adapt to a changing environment.
• Desire to self-develop by staying aware of current trends and new developments the field of Commercial Lending, credit policy/procedures, regulations, and laws.

Education and Experience Qualifications:

Requires Bachelor's degree with emphasis on business/finance/accounting/economics or equivalent banking and credit experience.