Senior Credit Analyst

Overview

Job Title
:
Senior Credit Analyst

Location
:
This position is available as an on-site assignment in San Antonio.

Summary
:

The Senior Credit Analyst analyzes and monitors credit worthiness of the bank's customers and potential customers. The ideal candidate analyzes financial statements, tax returns, and bank references to evaluate the financial condition of individuals and businesses applying for credit with the bank. Makes recommendations on credits consistent with bank policy and guidelines.

To perform this job successfully, an individual must be able to perform each of the essential duties satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Research background documentation and reviews personal and business financial statements and tax returns. Analyzes financial information and prepares the preliminary analysis.
• Requests and obtains financial statements on existing customers.
• Reviews and prepares written analysis, spreadsheets, reports, summaries and opinions.
• Prepares and assists in the preparation of loan memorandum for presentation to lenders and/or loan committees.
• Follow all applicable laws and regulations.
• Carries out responsibilities with professionalism, respect for others, in accordance with the organization's policies and applicable laws
• Prepares miscellaneous management reports.
• Carry out responsibilities with professionalism, respect for others, in accordance with the organization's policies and applicable laws
• Any other duties as assigned.

Key Deliverables
:

• Monitor portfolio risk and ensure compliance with internal and regulatory standards
• Collaborate with lenders to support credit decisions and client relationship goals
• Generate reports and identify process improvements to enhance credit operations
• Conduct credit analyses and prepare concise loan memos for new and existing clients

Reports to
:
Senior Credit Officer & Underwriting Manager

Supervises
:
None

Education
:

• Bachelor's Degree or higher in a business-related concentration.
• 2+ years of experience preferred.
• Previous exposure to SBA or other government guaranteed loans preferred.

Required Experiences/Skills
:

• Familiarity with credit write ups
• Financial spreads
• Cash flow analysis
• Previous experience with Sageworks preferred.

Talents
:

• Strong positivity
• Mission driven, competitive, goal oriented, and motivated to develop themselves and others
• Energetic, resourceful, and appropriate work intensity to get the work done
• Strong people acumen and relationship skills;
  Naturally pre-disposed to quickly establish positive personal and professional relationships
• Maintain a strong intellectual curiosity about emerging trends in markets, financials, and the broader business landscape

Other
:

• Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form.
• Must be able to lift to 20 pounds.

Note
:
Trans Pecos Banks will not accept unsolicited resumes from any source other than the candidate. We will consider any candidate for whom an Agency submits an unsolicited resume, to have been referred to us by the Agency free of any charges or fees, other than those agencies we engage on a specific search. Trans Pecos Banks will not pay a fee for any placement resulting from the receipt of an unsolicited resume.