Senior Credit Analyst

4 days ago

Houston, Texas, United States Cadence Bank Full time
Credit Approval Process:
As a key member of the Cadence Bank team, you will assist in the preparation of credit requests, including new originations, renewals, modifications, and prospect briefings. Under the direction of the Credit & Underwriting Executive, you will ensure the completeness and accuracy of approval documentation in the loan approval, prospect, renewal, and modification processes. You will evaluate structures, quality, integrity, and soundness of all financial analysis, and assist in the completion of all credit request package documents, such as assignment of risk ratings, financial analysis, industry analysis, relationship summary, pricing model, and other required documents needed for loan approval.

Client Interaction:
You will communicate final deal structure, pricing, terms, and conditions to clients and Sales teams, maintaining integrity of formal Committee Approvals. You will frequently visit clients and review client performance and financials, serving as a primary liaison for client prospects, interacting in-person and via phone with existing customers, potential customers, and Corporate Banking Sales teams on a routine basis. You may be responsible for identifying cross-sell opportunities.

Portfolio Management and Review Processes:
You will provide guidance and mentoring to credit analysts in the underwriting process, as well as lending assistants in the booking and maintenance of relationships on the loan system. You will authenticate all post-loan closing activities, including conditions precedent to closing, ensuring accuracy and completeness. You will monitor, review, and ensure compliance on loan covenants, borrowing base certificates, and other loan documentation and requirements. You will follow up and clear any exceptions on any loans in your assigned portfolio. You will proactively manage credit risk and exposure for an assigned portfolio, including early detection of volatile industries and markets, initiating credit modifications and risk upgrading/downgrading. You will be responsible for formal credit review processes, such as monitoring, as well as Credit File reviews, Audits, Compliance Reviews, ongoing, as well as required periodic reviews. You will review assigned portfolio and related files for accuracy and completeness, all formal loan documentation, comments, and updates.

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