Credit Analyst Manager

4 days ago


McAllen, United States Insight Global Full time
Job DescriptionJob Description

Reporting to the Chief Credit Officer, the Credit Analyst Manager oversees a team of 10 credit analysts. This role involves reviewing loan presentations, acting as the first line of defense, ensuring timely completion of tasks, and reviewing loan analysis and administration. The manager will also review loan packages before they go to committee and provide support to analysts seeking assistance.

 

Day-to-Day Responsibilities:
Manage the Credit Analyst department and support the Bank’s lending function. Assist, coach, and train credit analysts and/or loan officers in evaluating the financial history and statements of credit applicants to assess creditworthiness. Analyze financial strength, cash flow adequacy, and calculate related ratios to determine the probability of full repayment and the need for collateral or a guarantor. Facilitate or assist in preparing loan requests by completing credit analysis and credit memorandums for larger or more complex loan requests for presentation to loan officers or committees. Complete related special projects as needed. Provide assistance to lenders with policy and loan questions or concerns. Manage hiring, daily activities, coaching, evaluating, and counseling of staff. Participate in job-specific and other various Bank training programs. Maintain current knowledge of internal risk controls and loss prevention, including reporting suspicious or unusual customer activity per Bank policy, and ensure adherence by department personnel. Ensure compliance with all federal and state laws, regulations, and established Bank policies and procedures, including internal audit controls. Maintain current knowledge of all rules, regulations, and laws as they apply to BSA/OFAC/USA Patriot Act/CIP/AML, and ensure adherence by department personnel.


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