Credit Risk Analyst

4 days ago


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

Security State Bank & Trust is seeking a skilled Credit Analyst to join our team. As a Credit Analyst, you will play a critical role in analyzing credit information and conducting credit investigations to establish the financial condition of potential borrowers.

Key Responsibilities
  • Emulate SSB&T Core Values
  • Request financial documents from loan officers and administrators as needed and organize in Credit Analysis folder
  • Use Credit Analysis checklist to track missing documents on pertinent credits
  • Assist with the creation of reports required for Loan Committee each week
  • Enter all financial data in the Optimist analysis software on assigned credits
  • Generate credit analysis reports and accounting spreads on loan requests
  • Assist with ensuring Loan Review department has current analysis reports for loans scheduled for review
  • Provide assistance to loan officers and loan committee members as needed
  • Assist with providing department training to new analysts and loan officers
  • Maintain department workflow to ensure all credits are up to date; track and locate missing documents
  • Utilize financial analysis software to vet current and potential vendors
  • Assist with responses to loan officer questions/inquiries regarding credit analysis methods and reports
  • Assist with completion loan portfolio stress testing
  • Assist with the review for potential impairment on TDR loans
Requirements
  • Understanding of Generally Accepted Accounting Principles (GAAP)
  • Experience reading/understanding commercial/consumer financial reports and tax forms for corporations and individual
  • Proficient in MS Word, Excel, PowerPoint, Adobe Reader, Outlook, Explorer and general office equipment
  • Excellent organizational skills and attention to detail
  • Excellent written and verbal communication skills
  • Willing to report to Loan Committee and Board with analysis findings
  • Bachelors degree in Accounting/Finance or related field preferred
  • 3-5 years Credit Analysis experience preferred
  • Experience in tax accounting/preparation under CPA supervision preferred


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