Credit Management - Credit Analyst II

It starts with our culture ...

Common sense has never been common.

If it were, the world would be a different place. Things would run smoothly and on time. People would do what they say and say what they do. Everything would be fair, without all the small talk. And banks would only sell you what you need. When a banker looked at a client, they wouldn't just see a number, they'd see a dad or a mom or a graduate or a business owner.

Our Bankers understand the complexities of people's lives and offer simple solutions.

That's the basics of Relationships. Fairness. Simplicity. When you choose our Company, you have an opportunity to make an impact beyond the walls of our buildings.

We have a long-standing commitment to Equity, Diversity, and Inclusion. Through our banking relationships, investing, grants, and volunteerism, NBH Bank promotes the growth, revitalization, and sustainability of the communities we serve. We believe that these are important elements in building and sustaining a successful organization and a positive, results-driven culture. We strive for all of our associates to feel welcome and empowered at work.

As a Credit Analyst II, you will create and interpret financial spreads, policy ratios, global cash flow statements and Commercial Real Estate analysis with minimal help, create the Scope of Review worksheets to begin the credit analysis of new credits, renewals, and annual reviews, and interpret and summarize appraisals, organizational documents and loan documents. You will be responsible for a variety of tasks including creating the Credit Approval Submissions on pending credits for the Approval Officer and Senior Approval Officer, monitoring of covenants and borrowing bases, and assisting Senior Approval/Approval officers in performing pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.

As the Analyst, you will assist the Senior Approval/Approval officers in gathering data from clients, internal and outside sources; prepares spreadsheets and analyzes financial information including financial statements and tax returns; contacts clients for additional information and clarification of data, and assist the Senior Approval/Approval officers in gathering data from clients, internal and outside sources; prepares spreadsheets and analyzes financial information including financial statements and tax returns.

Additionally, are expected to compile data from credit bureaus, conducts industry reports and peer comparisons, and performs cash flow analyses and other such tasks and comparisons, and inform Relationship Managers when up-to-date financial statements are needed for commercial accounts; ensures credit inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved. You will develop knowledge of financial industry, economy, market conditions, rates, vendors and competition, convey this knowledge in a written format, summarizing specific to the Credit being analyzed, build a great rapport with clients and fellow associates, and treat others with respect and consideration regardless of their status or position.

All associates are expected to maintain current knowledge and consistent compliance with regulations and bank policies and procedures related to the position, including but not limited to Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements.

To be considered for this position, you must possess the following qualifications.

• Bachelor's degree required in finance, accounting, related discipline or equivalent combination of education and related work experience.
• 3+ years of financial analyzing or lending background.
• Basic experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
• Basic knowledge of commercial, construction, real estate and consumer loan processing.
• Direct regulatory or credit risk management experience.

To be considered an ideal candidate, you should possess some of the following qualifications.

• Advanced degree or certification related to field.
• 4+ years of related experience.

Below is a general list of desired skills and abilities; this is not an exhaustive list.

• Ability to read, analyze and…