Credit Analyst I

# Credit Analyst ILUBBOCK QUAKER - LUBBOCK, TX 79424## Overview Position Type Full Time## Description
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* Job Purpose:

** Credit Analyst evaluates commercial and personal financial information to assess creditworthiness of loan applicants. This role supports the loan decision-making process by preparing detailed credit summaries, presenting key financial insights, and contributing to loan committee discussions.
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* Key Responsibilities:

*** Gather, spread, and analyze customer financial information, including but not limited to financial statements, tax returns, business plans, credit reports, industry data, etc.
* Prepare credit write-ups and loan committee presentations that clearly outline risks and recommendations that meet compliance with bank’s loan policies.
* Advise lenders and loan committees by providing insight and clarification regarding financial information and borrower risk.
* Assist in the preparation of monthly board and management reports, or other projects as assigned.
* Conduct portfolio monitoring and management activities, including periodic financial statement reviews and covenant tracking as assigned.
* Accompany lenders on customer site visits and inspections to gather qualitative and operational insights.
* Perform other duties and special projects as assigned.## Qualifications
** Education / Qualification and Experience Requirements:
*** Bachelor’s Degree in Accounting, Business, Economics, or Finance required.
* Related banking or analytical experience is preferred.
* Proficient in spreadsheet (Excel) and Word software.
* Demonstrated mathematical and analytical ability with strong attention to detail.
* Strong interpersonal, organization, communications, and customer relations skills.
* Familiarity with financial statement analysis, cash flow analysis, and credit risk fundamentals is a plus.
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