Lead Credit Risk Analyst

2 weeks ago


McKinney, Texas, United States Independent Financial Services Full time
Position Overview

This role offers a hybrid work opportunity. Further details will be provided during the interview process.

Key Responsibilities
  • Conduct comprehensive quantitative and qualitative evaluations of financial data to determine the risk associated with extending credit to businesses and individuals.
  • Prepare detailed credit approval documentation for presentations related to Commercial Real Estate (CRE), Commercial & Industrial (C&I), Small Business Administration (SBA), and other specialized lending requests.
  • Analyze financial statements to assess growth trends and management quality, while calculating financial ratios to evaluate a client's financial viability.
  • Support the training and continuous development of junior credit analysts.
  • Generate various monthly reports for senior management review.
  • Assist in monitoring the performance of loans within the bank's portfolio.
Qualifications

Education and Experience:

  • Bachelor's degree in a business-related field with a minimum of two accounting courses or equivalent experience.
  • Over three years of experience as a banking credit analyst is advantageous.
  • Experience in analyzing cash flows for commercial real estate is preferred.
  • Completion of a structured Credit Training Program is a plus.

Skills and Abilities:

  • Exceptional analytical skills.
  • Proficiency in Microsoft Word and Excel is essential.
  • Strong verbal and written communication skills.
  • Self-motivated and eager to learn.
  • Meticulous attention to detail and effective time management skills are crucial.

Demonstrate a thorough understanding of the Bank Secrecy Act and OFAC-related responsibilities to ensure compliance with bank policies and regulatory requirements.

Experience in commercial real estate cash flow analysis is preferred.

Familiarity with standard banking concepts, practices, and procedures is expected.



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