Time Type:
Full timeThis is an in-office position.
Department:
202 Credit AdministrationJob Summary:
The Credit Analyst is primarily responsible for performing Pre-Funding audits, Loan Documentation Reviews and Loan reviews, as well as other routine audits to ensure the accuracy and completeness of loan documents and bank records. Ensure loans are compliance with all State and Federal regulations.Job Description:
ESSENTIAL JOB FUNCTIONS
The statements on this job description are intended to describe the general nature of level of work being performed by incumbents. They are not an exhaustive list of all responsibilities, duties, and skills required by all incumbents.
Perform pre-funding and post funding audits, loan document reviews and loan reviews to ensure documents are complete and correct.
Prepare and verify reports used to support lending officers in the decision-making process, such as financial spreads, real estate evaluations, and amortization schedules.
Perform routine system audits on loans in the bank’s system of record to validate completeness and accuracy
Maintain accurate Real Estate and Credit files and prepare information for third party (examiners, auditors) as needed
Enter loan documentation exceptions into the collateral tracking system
Assist lending officers in clearing exceptions
Attend and participate in the Credit Quality, Executive Committee and Board meeting as required
Ensure the loans are in compliance with bank, state, and federal regulations
Other duties as assigned
SKILLS
Excellent verbal and written communication skills
Good organizational skills
Critical and analytical skills
Microsoft Word, Excel, and Outlook
EDUCATION
4-year Business degree. Preferably in Finance or Accounting.
Skills Required
- Perform pre-funding and post-funding audits and loan reviews
- Loan documentation review and maintenance of accurate credit and real estate files
- Prepare and verify financial spreads, real estate evaluations, and amortization schedules
- Enter loan documentation exceptions into collateral tracking system and assist lending officers
- Support auditors, examiners, Credit Quality, Executive Committee and Board meetings as needed
- Excellent verbal and written communication skills
- Good organizational skills
- Critical and analytical skills
- Microsoft Word
- Microsoft Excel
- Microsoft Outlook
- Bachelor's degree in Business
- Degree in Finance or Accounting
IBC Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about IBC Bank and has not been reviewed or approved by IBC Bank.
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Healthcare Strength — Employer-paid medical coverage for full-time employees, with prescription coverage and optional dental/vision, indicates solid core health protection. Feedback suggests this foundational coverage is a standout within the overall package even if other areas feel modest.
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Retirement Support — A 401(k) alongside profit-sharing contributions when the bank is profitable provides retirement-building mechanisms. Eligibility beginning the first day of the year following hire is a timing nuance candidates may factor in.
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Career-Linked Recognition & Rewards — Commission and bonus elements in certain roles can supplement base pay. Feedback suggests performance-tied earnings provide upside for some, despite variability.
IBC Bank Insights
What We Do
IBC Bank was founded in 1966 and today it serves as the flagship bank of International Bancshares Corporation. Since its opening, IBC has grown in assets to more than $15 billion making it one of Texas’ largest holding companies. We believe in doing more for the communities we serve. And we've made that commitment for the last 50+ years. We know that when our communities succeed, we all succeed. Affirmative Action/ Equal Opportunity Employer Member FDIC/ International Bancshares Corporation
