Senior Credit Analyst

Overview

Brief Description United Texas Bank is a Dallas-based Texas business bank focused on providing creative, solution-focused service to help our clients achieve financial success. The strength of UTB is based on our ability to listen and react to our customer’s needs in a timely, personal, and professional manner.

The Senior Credit Analyst conducts financial analysis regarding the customer's income, assets, investments or debts to determine which credit structures best meet the customer's needs and financial circumstances. This position works with senior managers and executives to advise on credit structures, products, risk, and repayment. The Senior Credit Analyst acts as a subject matter expert and peer guide for the Credit team.

• Analyze financial information including balance sheets, income statements, cash flow statements, and tax returns to form an opinion of creditworthiness of applicants based on sound risk-based examination of strengths and weaknesses.
• Determine appropriate risk ratings and make recommendations for approval/denial of loan requests.
• Prepare written credit memorandums for presentation and approval.
• Assist lending staff in the analysis, servicing, and reporting on commercial and real estate loans.
• Work with lending staff in the development of appropriate credit decisions, prepare written reports documenting such decisions.
• Provide guidance to lending staff for interpretation and application of lending policies, procedures, and regulatory guidelines.
• Assist with various credit risk management practices, including, but not limited to, portfolio stress testing, various management and board-level reporting, and regulatory reporting requirements.
• Understand and employ Bank’s policies and procedures.
• Foster open dialogue and strong working relationships with internal and external customers to ensure customer satisfaction.
• Act as a subject matter expert and peer guide for the Credit team.
• Perform other related duties to benefit the mission of the organization.

• 2+ years of experience in credit analysis and/or commercial lending
• 3-5 years of experience in a supervisory or managerial role
• Knowledge of commercial and real estate underwriting practices along with a balanced knowledge of regulatory governance of commercial lending activities.
• Thorough understanding of GAAP accounting and analysis of corporate credits.
• Proficiency in use of Windows, Microsoft Word, Microsoft Excel, and Microsoft Power Point
• Ability to work under pressure and meet deadlines
• Team player that is highly motivated and goal oriented
• Effective oral and written communication with customers, co-workers, and all levels of management.

• Medical
• Dental
• Vision
• Health Reimbursement Arrangement (HRA)
• Flexible Spending Account (FSA)
• Health Savings Account (HSA)
• 401K with Employer Match
• Life Insurance – Employer Provided
• Supplemental Life - Voluntary
• Short-term Disability
• Long-term Disability
• Prescription Discount
• Discount Legal Services
• Protection Services
• Pet Insurance

UTB is an equal opportunity employer. Qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.