Senior Credit Analyst - San Antonio, TX

Qualifications

• Bachelor's Degree in Accounting, Finance, Business Management or related field
• 3-5 years experience in lending or credit preferred
• At least 18 years of age
• Ability to organize and prioritize
• Detail oriented and ability to multi-task
• Proficient in Microsoft Office
• Must be a self-starter and able to meet all deadlines
• Must communicate effectively, both verbal and written
• Must successfully pass background investigation according to company policy
• Must be able to get along with co-workers and work effectively in a team environment
• Strong analytical skills and exercises good judgement to make sound decisions
• Possesses clear understanding and complies with all bank procedures, laws and regulations

• Prepare spreads of financial information from financial statements and tax returns
• Monitor the ongoing credit risk of existing loans through systematic reviews of financial statements and testing compliance with loan convenants
• Analyze and underwrite consumer loan requests as needed
• Order appraisals of residential property
• Analyze the financial data presented, including the level and trend of pertinent ratios, including global debt service capacity
• Identify exceptions to lending policies and underwriting guidelines.
• Ensure compliance with all applicable laws and regulations
• Research borrower industry and market conditions
• Identify borrowing causes, sources of repayment, risks to repayment, and suggest enhancements to mitigate credit risk
• Prepare written assessment documenting the strengths and weaknesses of small, non-complex commercial credit requests
• Assist with special projects and performs other duties as assigned

• Must be able to remain in a sitting stationary position for extended periods of time
• Constantly operate a computer and other office machinery
• Ability to lift up to 25 pounds