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Financial Credit Analyst

2 months ago

Fredericksburg, Texas, United States Security State Bank & Trust Full time
Job Overview

Position Summary:

This role is essential for evaluating the creditworthiness of potential borrowers. The Credit Analyst is responsible for analyzing financial data and conducting thorough credit investigations to determine the financial stability of applicants. This position plays a crucial role in preparing detailed reports and summaries for loan officers and senior management, as well as assisting in stress testing of the loan portfolio.

Key Responsibilities:

  • Uphold the core values of Security State Bank & Trust.
  • Request and organize financial documentation from loan officers and administrators in the designated Credit Analysis folder.
  • Utilize a Credit Analysis checklist to monitor and identify missing documents for relevant credits.
  • Assist in generating weekly reports for the Loan Committee.
  • Input all financial information into the Optimist analysis software for assigned credits.
  • Create comprehensive credit analysis reports and accounting spreads for loan applications.
  • Ensure the Loan Review department has access to up-to-date analysis reports for loans under review.
  • Provide support to loan officers and committee members as required.
  • Facilitate training sessions for new analysts and loan officers within the department.
  • Maintain workflow efficiency to ensure all credit files are current and track any missing documentation.
  • Employ financial analysis software to evaluate current and prospective vendors.
  • Assist in addressing inquiries from loan officers regarding credit analysis techniques and reports.
  • Support the completion of loan portfolio stress testing initiatives.
  • Participate in the review process for potential impairment on Troubled Debt Restructured (TDR) loans.
  • Perform additional duties as assigned.

Qualifications:

  • Strong understanding of Generally Accepted Accounting Principles (GAAP).
  • Experience in interpreting commercial and consumer financial statements and tax documents for both corporations and individuals.
  • Proficient in Microsoft Office Suite, including Word, Excel, PowerPoint, and Outlook, as well as Adobe Reader and general office equipment.
  • Exceptional organizational skills with a keen attention to detail.
  • Excellent written and verbal communication abilities.
  • Willingness to present analysis findings to the Loan Committee and Board.
  • Bachelor's degree in Accounting, Finance, or a related field is preferred.
  • 3-5 years of experience in Credit Analysis is preferred.
  • Experience in tax accounting or preparation under CPA supervision is preferred.