Credit Analyst

1 month ago

Dallas, Texas, United States Hilltop Holdings Full time
Job Description

At PlainsCapital Bank, we are seeking a highly skilled Credit Analyst to join our team. As a Credit Analyst, you will play a critical role in supporting our Commercial Bankers in underwriting financial transactions and providing expert analysis to ensure the success of our clients.

Responsibilities
  • Financial Statement Analysis: Analyze financial statements, including performance ratios, to identify strengths and weaknesses in borrower's historical operating performance.
  • Credit Investigation: Conduct thorough credit investigations of borrowers and guarantors, including economic and market conditions, to ensure a comprehensive understanding of the company's financial position.
  • Financial Analysis: Prepare in-depth financial and cash flow analyses, including communicating with the borrower's accountant to gain a better understanding of the company's accounting practices.
  • Collateral Analysis: Analyze secondary sources of repayment, including collateral, to ensure a thorough understanding of the borrower's financial position.
  • Guarantor Analysis: Analyze the financial position of guarantors to ensure a comprehensive understanding of the borrower's financial obligations.
  • Industry Research: Collect and maintain industry data, researching industry-specific information from outside sources, including conversations with the borrower, industry publications, and references from other banks.
  • Loan Committee Meetings: Attend weekly Loan Committee meetings and present loan requests to the committee as necessary.
  • Customer Meetings: Participate in customer meetings as requested by officers, which may require travel at times.
  • Real Estate Appraisal Reviews: Perform real estate appraisal reviews for lenders in all regions.
  • Commercial Loan Agreement Requirements: Process and establish accountability pertaining to Commercial Loan Agreement requirements and covenants.
  • Real Estate Construction Project Monitoring: Monitor periodic inspections pertaining to real estate construction projects, ensuring loan advances align with project completion.
  • Training and Development: Actively participate in all assigned training and development sessions, completing all assigned training and development projects and initiatives.
Qualifications
  • Bachelor's Degree: Bachelor's degree in a business-related field, with a strong preference for Finance or Accounting majors or concentrations.
  • Professional Experience: Professional experience in financial, credit, or statistical analysis, and/or statement spreading and assessing companies through internships, part-time or full-time work, and/or extracurricular activities.
  • Communication Skills: Excellent verbal, written, and interpersonal communication skills.
  • Technical Skills: Excellent PC skills, including word processing and spreadsheets via Microsoft Office products, as well as custom applications and systems.
  • Analytical Skills: Excellent analytical, time management, organizational, and problem-solving skills, with the ability to multi-task and work in a deadline-driven environment.
  • Self-Motivation: Must be self-motivated with strong initiative, accountability, and attention to detail.
  • Travel Requirements: Must be able to attend initial training in Dallas, TX, for approximately four weeks, with subsequent travel required for training sessions throughout the duration of the Banker Development Program.

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