Credit Review Officer

3 weeks ago


McAllen, Texas, United States Vantage Bank Full time
Job Summary

The Credit Review Officer is responsible for providing credit decision makers with in-depth, independent risk analysis and underwriting necessary for making informed credit decisions for both commercial (C&I and CRE) and individual borrowers.

Key Responsibilities
  • Conduct comprehensive credit analyses for loan requests, including reviewing financial statements, tax returns, credit reports, and other relevant documentation.
  • Collaborate with loan officers to clarify borrower details, address potential concerns, and ensure a thorough understanding of each borrower's unique circumstances and make recommendations on appropriate loan structure and terms.
  • Prepare detailed underwriting reports that summarize findings and recommendations for senior management and credit committees.
  • Collaborate with loan officers and other stakeholders to provide insights and guidance on credit policies and procedures.
  • Stay up to date on banking regulations changes, as well as industry trends and economic factors that impact underwriting and risk practices.
  • Occasionally join loan officers on calls or site visits with prospects or customers.
  • Represent the Bank in various community, civic, and community reinvestment functions to further enhance the Bank's image and develop additional business.
  • Perform a variety of tasks including projects as requested by the Credit Review Manager. Projects routinely require a wide degree of creativity and latitude.
  • Take part in training and mentoring of other department team members and support staff.
  • Reinforce the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.
  • Embrace change, acting as an advocate and role model and promoting a mindset of continuous improvement.
Requirements
  • Bachelor's degree in Accounting or Finance (B.A. or B.S.) required.
  • 2+ years of work experience as a commercial underwriter, credit analyst and/or financial analyst.
  • Proven track record in analyzing and underwriting all types of loans for both C&I and CRE borrowers.
  • Strong proficiency in financial analysis including, but not limited to balance sheet and income statement analysis, tax return analysis, cash flow analysis (both C&I and CRE).
  • Familiarity with financial spreading software. Optional, but advantageous for experience with Moody's CreditLens and Bukers Taxanalysis.
  • Strong understanding of banking regulations, compliance standards, and risk management practices.
  • Ability to read, analyze and interpret financial statements, tax returns, and other business-related documents in detail.
  • Basic skills in Microsoft Word and Excel.
  • Basic typing skills to meet production needs of the position.
  • Ability to effectively interact with customers, colleagues, and management.
  • Excellent written and verbal communication skills to effectively present the information and respond to questions and comments.
  • Excellent organizational and time management skills to manage multiple assignments.
  • Must be able to work with minimal supervision while performing the stated duties.


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