Credit Analyst | Portfolio Management

4 weeks ago

Dallas, United States BankFinancial Full time

Job Description

Job Description

Summary:

Assists management in making informed credit decisions by analyzing the credit worthiness of existing and potential borrowers. Prepares and presents elementary and typical commercial and industrial credit requests by performing the following duties:

Essential Duties and Responsibilities Performs commercial credit analysis by reviewing items including, but not limited to credit reports, personal and business financial statements and tax returns, appraisals, property inspections and environmental reports to complete loan presentations for approval consideration by the appropriate approval authority.

Prepares and analyzes spreads of a company's financial statements to determine overall credit strengths and weakness of potential commercial credit customers. Analysis includes, but is not limited to debt-service coverage ratio, current assets ratio, leverage ratios, cash flow analysis, fixed charge coverage and acid test ratio.

Performs and completes a collateral analysis of all collateral assets including but not limited to accounts receivables, inventory, equipment and real estate. Analysis should include a credit classification of the company's customer base, a detail credit profile of the company's largest customers and delinquent accounts, aging analysis, delinquencies, collections and charge offs. Inventory analysis should include inventory in days and an examination of stale inventory, spoilage, depletion and inventory valuations. Equipment analysis should include a comparison of market value to book value and an assessment of net orderly liquidation values. Real estate collateral analysis should include examination of appraisal and address special and single purpose use facilities and alternative uses.

Contacts the customer or customer's representative to obtain additional information or explanation detail throughout the underwriting process while coordinating with the Commercial Banker.

Identifies and assesses various business, industry and market risks to determine and categorize business trends, growth, cyclical nature, seasonality, business cycle and stages and apply findings to credit evaluation.

Performs business sector analyses to evaluate the health and viability of a company based upon similar businesses and/or competitors.

Evaluates the overall growth potential of companies through the application of various economic theories.

Orders underwriting items including, but not limited to audit, TLJ and UCC searches, appraisal, environmental, flood certification, and property inspections from both internal and external sources.

Approves final funding reconciliation in Vendor Services.

Records and maintains external vendor order costs in Vendor Services.

Prepares loan files.

Completes Special Projects as needed.

BankFinancial is an Equal Opportunity Employer

(minorities/females/veterans/individuals

with

disabilities/sexual

orientation/gender identity)

Education/Experience Bachelor's degree (B.S.) from four-year college or university, preferably in Finance or Accounting, two years related credit experience, or equivalent combination of education and experience At least one year of previous credit analyst experience Strong written/verbal communication and technical skills Demonstrated ability to recommend sound credit decisions while protecting the assets of the Bank. Able to perform detailed trend analysis and demonstrate a clear understanding of corporate structures. Understanding of key financial ratios and cash flow, identifying non-cash and non-recuring items Ability to analyze credit reports, UCC filings and searches Good customer service and organizational skills Self-starter and team player

#J-18808-Ljbffr

  • Senior Credit Analyst

    7 days ago

    Dallas, United States Fifth Third Full time

    The Senior Credit Analyst is primarily responsible for partnering with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing analytical tasks and identifying risks or issues as needed. In addition, a s Credit Analyst, Analyst, Portfolio Manager, Senior, Monitoring, Customer Experience, Technology

  • Senior Credit Analyst

    2 weeks ago

    Dallas, United States Fifth Third Full time

    Make banking a Fifth Third better We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank. GENERAL FUNCTION: The Senior Credit Analyst is primarily responsible for partnering with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing...

  • Credit Analyst

    3 weeks ago

    Dallas, United States Tolleson Wealth Management Full time

    Job DescriptionJob DescriptionDuties and Responsibilities:Conduct a thorough financial analysis of applicants, including reviewing financial statements and tax returns to assess creditworthinessEvaluate the strength of collateral offered by applicants to secure credit, ensuring its adequacy and relevance in mitigating credit riskConduct due diligence on...

  • Private Equity Analytics Senior Analyst

    1 week ago

    Dallas, United States LP Analyst Full time

    Company Overview LP Analyst is a leading independent private asset cloud-based analytics and consulting solutions firm that works closely with many of the industry's most prominent institutional investors (LPs) and fund managers (GPs) to get better, more actionable decision-making intelligence into the hands of today's demanding investors. Our firm truly...

  • Private Equity Analytics Senior Analyst

    2 weeks ago

    Dallas, United States LP Analyst Full time

    Company Overview LP Analyst is a leading independent private asset cloud-based analytics and consulting solutions firm that works closely with many of the industry's most prominent institutional investors (LPs) and fund managers (GPs) to get better, more actionable decision-making intelligence into the hands of today's demanding investors. Our firm truly...

  • Private Equity Analytics Senior Analyst

    2 weeks ago

    Dallas, United States LP Analyst Full time

    Job DescriptionJob DescriptionCompany OverviewLP Analyst is a leading independent private asset cloud-based analytics and consulting solutions firm that works closely with many of the industry’s most prominent institutional investors (LPs) and fund managers (GPs) to get better, more actionable decision-making intelligence into the hands of today’s...

  • ABL Credit Analyst

    1 month ago

    Dallas, United States Selby Jennings Full time

    Title: ABL Senior Credit AnalystLocation: Dallas, TXOnsite 5 days a weekMy client is a growing alternative investment advisory firm looking to add a credit specialist to their asset management group. This person will be working on their existing credit portfolio to maintain and ensure borrower compliance within the portfolio.Responsibilities:Build borrowing...

  • ABL Credit Analyst

    1 month ago

    Dallas, Texas, United States Selby Jennings Full time

    Title: ABL Senior Credit AnalystLocation: Dallas, TXOnsite 5 days a weekMy client is a growing alternative investment advisory firm looking to add a credit specialist to their asset management group. This person will be working on their existing credit portfolio to maintain and ensure borrower compliance within the portfolio.Responsibilities:Build borrowing...

  • Private Asset Analyst Intern

    2 weeks ago

    Dallas, United States LP Analyst Full time

    Job DescriptionJob DescriptionCompany OverviewLP Analyst is a leading independent private asset cloud-based analytics and consulting solutions firm that works closely with many of the industry’s most prominent institutional investors (LPs) and fund managers (GPs) to get better, more actionable decision making intelligence into the hands of today’s...

  • Private Equity Analytics Senior Analyst

    4 days ago

    Dallas, United States LP Analyst Full time

    LP Analyst is a leading independent private asset cloud-based analytics and consulting solutions firm that works closely with many of the industry’s most prominent institutional investors (LPs) and fund managers (GPs) to get better, more actionable decision-making intelligence into the hands of today’s demanding investors. Our firm truly sits at the...

  • Private Equity Analytics Senior Analyst

    1 week ago

    Dallas, United States LP Analyst Full time

    Company Overview LP Analyst is a leading independent private asset cloud-based analytics and consulting solutions firm that works closely with many of the industry’s most prominent institutional investors (LPs) and fund managers (GPs) to get better, more actionable decision-making intelligence into the hands of today’s demanding investors. Our firm truly...

  • Credit Analyst

    5 days ago

    Dallas, United States ORIX USA Full time

    Purpose and Job Summary Signal Peak Capital Management ("SPCM") is a credit focused asset management team of ORIX Advisers, LLC, a wholly owned subsidiary of ORIX Corporation USA. SPCM currently manages approximately $5.2 billion of leveraged loans and structured credit assets across various collateralized loan obligations and other investment vehicles. SPCM...

  • Credit Analyst

    5 days ago

    Dallas, United States Gpac Full time

     Job Description:We are looking for a professional Credit Analyst to determine our customers’ creditworthiness. You will analyze financial data to assess the likelihood of a borrower honouring their financial obligations. Small Business Lending is a very dynamic space. We serve borrowing needs of businesses of various sizes from relatively small...

  • Private Equity Analytics Senior Analyst

    2 weeks ago

    Dallas, United States LP Analyst Full time

    Company OverviewLP Analyst is a leading independent private asset cloud-based analytics and consulting solutions firm that works closely with many of the industry’s most prominent institutional investors (LPs) and fund managers (GPs) to get better, more actionable decision-making intelligence into the hands of today’s demanding investors.Our firm truly...

  • Private Equity Analytics Senior Analyst

    2 weeks ago

    Dallas, United States LP Analyst Full time

    Company OverviewLP Analyst is a leading independent private asset cloud-based analytics and consulting solutions firm that works closely with many of the industry’s most prominent institutional investors (LPs) and fund managers (GPs) to get better, more actionable decision-making intelligence into the hands of today’s demanding investors.Our firm truly...

  • Private Equity Analytics Senior Analyst

    2 weeks ago

    Dallas, United States LP Analyst Full time

    Company OverviewLP Analyst is a leading independent private asset cloud-based analytics and consulting solutions firm that works closely with many of the industry’s most prominent institutional investors (LPs) and fund managers (GPs) to get better, more actionable decision-making intelligence into the hands of today’s demanding investors.Our firm truly...

  • ABL Senior Credit Analyst

    4 days ago

    Dallas, United States Selby Jennings Full time

    Title: ABL Senior Credit Analyst Location: Dallas, TX Onsite 5 days a week My client is a growing alternative investment advisory firm looking to add a credit specialist to their asset management group. This individual will work directly alongside the investment team in order to help manage the existing portfolio of complex, asset backed loans. The right...

  • Credit Analyst

    3 days ago

    Dallas, United States ORIX USA Full time

    Purpose and Job Summary Signal Peak Capital Management ("SPCM") is a credit focused asset management team of ORIX Advisers, LLC, a wholly owned subsidiary of ORIX Corporation USA. SPCM currently manages approximately $5.2 billion of leveraged loans and structured credit assets across various collateralized loan obligations and other investment vehicles. SPCM...

  • Credit Analyst

    3 weeks ago

    Dallas, United States Tfin Full time

    Position Summary The Credit Department ofTBKBank,SSBseeks a Commercial Credit Analyst I whose responsibilities include:(i)underwriting credit approval requests for both prospective and existingclients;(ii)working with lending units to ensure ability to accurately evaluate and act on credit applications in a timelymanner;(iii)performing ongoing monitoring on...

  • ABL Senior Credit Analyst

    2 weeks ago

    Dallas, United States Selby Jennings Full time

    Title: ABL Senior Credit Analyst Location: Dallas, TX Onsite 5 days a week My client is a growing alternative investment advisory firm looking to add a credit specialist to their asset management group. This individual will work directly alongside the investment team in order to help manage the existing portfolio of complex, asset backed loans. The right...