Credit Analyst II

SUMMARY:

The Credit Analyst II role is an intermediate position tasked with analyzing moderately complex commercial credit applications, conducting in-depth financial assessments, and evaluating sophisticated credit risks associated with medium-sized commercial loans. This role assists in overseeing the credit underwriting process, providing guidance and mentorship to junior analysts, and ensuring adherence to the Bank's credit policies and regulatory standards.

JOB DUTIES AND ESSENTIAL FUNCTIONS:

• Independently underwrite loans in the $3MM-$5MM+ amount range.
• Mentor less experienced Credit Analysts and is a proponent of the departments culture.
• Complete cash flow spread requests for Loan Officers in an efficient and timely manner.
• Provide support for appraisal reviews and conduct in-house evaluations as needed.
• Manage the integrity of risk management functions by ensuring the acceptable credit standards are maintained and loans conform to established Bank policy, procedures, and regulatory requirement
• Evaluate borrower’s financial position by interpreting and evaluating financial statements, tax returns, and/or projections.
• Accompany Loan Officers on customer calls and site visits of potential and existing customers as requested/needed.
• Regularly track and test borrowers' compliance with loan agreements by analyzing key financial metrics, ensuring adherence to financial covenants, and flagging any potential breaches for timely resolution.
• Review and assess borrowers' financial performance, creditworthiness, and compliance with loan terms during the annual review process, identifying risks and making recommendations for any necessary adjustments or actions.
• Perform cash flows, financial credit analysis, collateral valuations/analysis, global cash flows, etc. for commercial borrowers and guarantors.
• Research industry information; history of the borrower; or any information or articles on the internet that would pertain to the borrower positively or negatively.
• Conduct independent and objective review of loan underwriting practices, approvals, monitoring activities, and credit administration procedures.
• Evaluate the creditworthiness of potential and existing clients by analyzing financial statements, credit reports, and other relevant financial data.
• Review borrower relationships to develop an assessment of loan repayment ability validating that the risk rating and perception of risk is accurate. 
• Review loan documents for accuracy, completeness, and adherence to credit memorandum covenants and conditions.
• Maintain excellent customer service to internal customers and external customers.
• Perform other duties and special projects as assigned.

WORKING CONDITIONS:

• Air-Conditioned work environment.
• Consistent and timely attendance is required to ensure uninterrupted operational efficiency and exemplary service delivery.

PHYSICAL DEMANDS:

• Sit for extended periods of time.
• Walk, stand, bend, squat, twist, and reach.
• Simple grasping and fine manipulation.
• Extended keyboarding.

MINIMUM REQUIREMENTS:

• Bachelor’s degree in finance, Accounting, Business Administration, Economics or a related field.   
• 1-2 years of related commercial experience as a Credit Analyst.
• Excellent verbal and written communications skills. 
• Demonstrated experience with tax returns, financial statements, and financial analysis. 
• Proficient in Microsoft Office Applications including Excel, PowerPoint, and Word. 
• Ability to conduct independent and objective reviews of loan and credit practices. 
• Strong problem-solving skills to address obstacles in the underwriting process.
• Effective teamwork and collaboration skills.
• Flexibility to handle a variety of tasks and special projects as assigned, adapting to changing priorities, deadlines, and regulatory environments. 

PREFERRED REQUIREMENTS:

• Professional Certifications such as Certified Risk Management Professional (CRMP), Certified Credit Professional (CCP), or Certified Public Accountant (CPA) is preferred.
• Previous experience in mentorship or supervisory roles is preferred.

Disclaimer: This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Duties, responsibilities, and activities may change, or new ones may be assigned at any time with or without notice.

We are an Equal Opportunity Employer

TexasBank is committed to providing equal employment opportunities regardless of race, creed, color, religion, alienage or national origin, ancestry, citizenship status, age, disability or handicap, sex, marital status, veteran status, sexual orientation, genetic information, arrest record, or any other characteristic protected by applicable federal, state or local laws. This policy applies to all terms and conditions of employment, including, but not limited to, recruiting, hiring, placement, promotion, compensation, benefits, training, disciplinary actions, layoff, recall, transfer, leaves of absence, and termination. Employees with questions or concerns about any type of discrimination in the workplace are encouraged to bring these issues to the attention of Human Resources.