Credit Analyst

Chief Executive Officer at First Texoma National Bank

This position is responsible for providing for analysis and for monitoring the financial condition and credit worthiness of individuals and businesses applying for credit by using historical financial analysis and cash flow projections. These duties will support the bank’s Commercial Loan Officers in the loan underwriting and loan presentation process. This position reports to the Senior Credit Officer and CEO.

• Work with the bank’s lending personnel in gathering and analyzing all required information from existing Borrowers and Prospects.
• Prepare Credit Memorandums.
• Analyze credit worthiness of prospects by gathering credit and industry information.
• Spread and analyze financial statements, incorporating the use of credit analysis tools.
• Prepare credit approval documentation including underwriting, risk rating and profitability analysis.
• Develop financial projections to determine repayment.
• Help Loan Officers in monitoring loan maturities and preparing the necessary underwriting documentation for the renewal of such credits.
• Oversees and manages financial information files to assure current reports, statements, accounts receivable and other information on customer accounts, and notifies Loan Officers of any potential problems in a timely manner.
• Other job related assignments as assigned.

• Displays and maintains a positive attitude toward bank, employees, and policy and procedures.
• Completes all required compliance exams on a yearly basis.
• Professionalism - Approaches others in a tactful manner; reacts well under pressure; treats others with respect and consideration regardless of their status or position; accepts responsibility for own actions; follows through on commitments.
• EMPLOYEE SPECIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• College Degree in Finance or Accounting preferred.
• Problem Solving - Identifies and resolves problems in a timely manner; gathers and analyzes information skillfully; develops alternative solutions; works well in group problem solving situations; uses reason even when dealing with emotional topics.
• Written Communication - Writes clearly and informatively; edits work for spelling and grammar; varies writing style to meet needs; presents numerical data effectively; able to read and interpret written information.
• Oral Communication - Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; demonstrates group presentation skills; participates in meetings.
• Adaptability - Adapts to changes in the work environment; manages competing demands; changes approach or method to best fit the situation; able to deal with frequent change, delays, or unexpected events.
• Proficient with Microsoft Word, Excel and Outlook. Display knowledge of standard banking equipment and personal computer.
• NOTE:
  
  This job description is not intended to be all-inclusive. Employee may perform other related duties as assigned by supervisor to meet the ongoing needs of the organization.

First Texoma National Bank is an Equal opportunity employer. This company considers candidates regardless of race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status.

Entry level

Full-time

• Finance and Sales
• Banking