Credit Analyst I

JOB SUMMARY

Among other duties, a Credit Analyst I assists loan officers in evaluating the financial history and financial statements of credit applicants, with a focus toward assessing creditworthiness.

ESSENTIAL DUTIES

The duties listed below may not include all responsibilities that the person in this role may be asked to perform. Incumbent may be required to perform other related duties, as assigned, including cross training across other departments, as necessary.

• Assists loan officers in evaluating the financial history and financial statements of credit applicants, with a focus toward assessing creditworthiness
• Evaluates financial strength, adequacy of cash flow, the probability of full repayment and determines if collateral or a guarantor is needed to adequately secure the loan
• Prepares or assists in the preparation of loan requests for presentation to loan officers or committees
• Provides additional assistance to loan officers, as requested
• Participates in job specific training and other various Bank training programs, as necessary
• Maintains current knowledge of internal risk controls and loss prevention, including reporting of suspicious or unusual customer activity per Bank policy
• Maintains current knowledge and complies with all federal and state laws and regulations and all established Bank policies and procedures, including internal audit controls related to department operations
• Maintains current knowledge of all rules, regulations, and laws as they apply to BSA/OFAC/USA Patriot Act/CIP/AML

QUALIFICATIONS

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

• A self-starting individual who possesses a Bachelor’s degree from an accredited college or university in Accounting, Finance, Economics or a related discipline
• Knowledge of commercial, trade-finance, asset-based lending, loan documentation, financial statements and cash flow analysis is preferred
• Aptitude for math and performing calculations, cash flow analysis and ratios
• Computer literacy in Windows, Microsoft Excel and Word
• Good organizational, interpersonal and communication skills
• Attention to detail and mental concentration are necessary for accurately performing tasks with frequent interruptions
• Ability to meet deadlines
• Must be able to work extended hours, as required
• Bilingual in English and Spanish is desired

ORGANIZATION

This position reports to the Credit Analyst Manager

• This position does not oversee other positions

TRAINING REQUIREMENTS

All employees are required to attend scheduled mandatory trainings and complete online regulatory compliance training courses applicable to their specific job function. In all situations, employees must ensure that their actions fully comply with all federal banking laws and regulations, including internal bank policies and procedures. Failure to adhere to these requirements will be grounds for disciplinary action, including probation and possible termination.

COMMUNITY INVOLVEMENT

Lone Star National Bank’s Mission Statement includes a commitment to helping our communities grow by serving them with pride and integrity.  All employees are encouraged to volunteer for bank sponsored activities, civic, charitable and community events and to be active in the communities we serve.

LSNB is an Equal Opportunity/Affirmative Action Employer and does not discriminate in the recruitment, hiring, and conditions of employment on the basis of race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, marital status, disability, age, veteran status, or any other status as protected by applicable laws.

Management reserves the right to change this position description at any time according to business needs.