Credit Analyst

About The Role

Our Company’s culture supports customers in achieving their financial goals and dreams. You serve as a vital role in the commercial lending process, responsible for conducting high-level analyses on commercial/business loans. Will work closely with Commercial Lenders to prepare loan presentations for the Loan Committee:
Identify proposed loan terms and determine if request meets bank policy.

At Guaranty Bank & Trust, we are passionate about helping others and our communities. We strive to stand out and be different, and as a result, our business is growing fast!

Guaranty Bank & Trust offers competitive pay and benefits, generous time off, continued training and career development. Do you want to work for a respected financial institution who supports innovation, promotes collaboration, is environmentally responsible, technology driven, ethical, and is willing to invest in your career? If so, we should meet!

We are currently searching for the right person to join our team as a Full-Time Credit Analyst I.

• Perform financial covenant calculations for compliance monitoring and exceptions required on customer within the bank.
• Manage required financial reporting, compliance certificates and other required reporting such as rent rolls, borrowing bases, and other loan agreement requirements for customers within the bank.
• Determine any violations within loan agreements for customers within the bank being monitored for credit committee.
• Performs financial analysis, complete annual review loan packages, and make recommendations on existing credits for risk grading and exposure limits.
• Perform regular loan portfolio reviews based on risk and/or size of all credit types (commercial, consumer, residential, equipment, Small Business Administration, mortgage, HELOC, participations, etc.) for asset quality, thorough and accurate documentation and compliance with relevant state and federal regulations.
• Determines credit worthiness by analyzing various commercial credit vehicles including financial statements (Balance Sheet, Income Statement, and Statement of Cash Flow), commercial credit bureau reports (Dun and Bradstreet, Experian & Equifax), SEC Filings, bond ratings, grants, tax returns, letters of credit, and budgetary information.
• Review third party reports, cash flow analysis, credit strength, property characteristics and all other information pertinent to the credit decision process on each application.
• Monitors and tests compliance with loan covenants and conditions, prepares borrowing bases and assists in draw processing for a lending relationship.
• Uses a thorough understanding of the Bank’s underwriting guidelines as well as analytical skills to produce basic to intermediate credit analysis for new extensions of credit, renewals of credit, annual reviews, modifications and other assignments.
• Prepares annual reviews for lending relationships by analyzing updated financial information along with current market/industry data to verify continuing credit worthiness of borrowers, recommending adjustments to the risk profile of the relationship accordingly.
• Assist with creating and distributing job related managerial reports.
• Comply with all federal, state and local regulatory rules and regulations governing financial institutions, as well as all Company policies and procedures.
• Complete and pass all required regulatory compliance training as assigned.
• Participate in special lending-related projects and meetings as directed.
• Perform any additional duties and tasks assigned by management.

• Intermediate Excel capabilities including macros, pivot tables and formulas
• Ability to use key performance metrics and data to provide insights and make strategic business recommendations
• Ability to organize, analyze and interpret data to explain complex irregularities or trends
• Strong communication and presentation skills
• Travel to business locations will be required.
• Ability to work/office at one of the following locations:
  • Paris, TX on Lamar Avenue
  • Mt Pleasant, TX on West Arkansas Street

Monday-Friday from 8am to 5pm with a 1 hour lunch break.