Commercial Credit Analyst

Description

The Commercial Credit Analyst will support Commercial Credit Underwriters in every aspect of the latter’s day-to-day activities.

Responsibilities

• Aid in financial analysis and risk assessment by preparing financial statement spreads, analyzing trends, and supporting credit underwriting decisions.
• Support Credit Underwriters in the preparation of credit memoranda for amendments, waivers, annual reviews, and other requests.
• Develop proficiency in systems and tools used by the credit team, including spreading software, financial modeling tools, and credit approval platforms.
• Build a foundational understanding of the bank’s credit policies, underwriting standards, and risk metrics, and apply them in daily activities.
• Acquire a basic understanding of the bank’s metrics and conditions for extending credit by applying that understanding on a daily basis.
• Develop the ability to monitor borrower financial performance and track compliance with loan covenants and borrowing base requirements.
• Conduct industry research and prepare overviews highlighting trends and conditions impacting clients and prospects.
• Become familiar with loan documentation and capable of producing summaries of important loan conditions and collateral structures.
• Gain an understanding of the Bank’s ancillary products important to building the bank’s relationship with its commercial/corporate clients and assist and collaborate with internal partners to support cross-sell opportunities.

Requirements

• Preferred Bachelor’s Degree in Accounting, Finance or other applicable undergraduate or graduate degree.
• 1+ years in commercial lending and credit analysis.
• Excellent Microsoft Office Suite skills, specifically Word/Excel.
• Possess aptitude for learning new systems and applications quickly, specifically Salesforce.com and nCino Bank Operating System.
• Excellent verbal and written communication skills.
• Ability to prioritize and complete tasks or projects on time with a high level of accuracy and strong attention to detail.
• Ability to remain educated and informed on industry trends, market conditions and regulatory requirements and actively work to continuously develop professionally.
• Able to handle sensitive information with complete confidentiality and professionalism.
• Ability to understand financial statements, including balance sheets, income statements, and cash flow statements.
• Travel will be required, as needed.

Qualifications

• Must possess excellent Microsoft Office Suite skills, specifically Word/Excel.
• Must possess aptitude for learning new systems and applications quickly, specifically Salesforce.com and nCino Bank Operating System.
• Must possess excellent verbal and written communication skills.
• Must possess ability to prioritize and complete tasks or projects on time with a high level of accuracy and strong attention to detail.
• Must have the ability to remain educated and informed on industry trends, market conditions and regulatory requirements and actively work to continuously develop professionally.
• Ability to handle sensitive information with complete confidentiality and professionalism.
• Must possess ability to understand financial statements, including balance sheets, income statements, and cash flow statements.
• Travel will be required, as needed.

Skills

• Financial Analysis
• Risk Assessment
• Microsoft Office Suite
• Financial Modeling Tools
• Credit Approval Platforms
• Commercial Lending
• Underwriting Standards
• Loan Covenants
• Borrowing Base Requirements
• Industry Research
• Loan Documentation
• Loan Conditions
• Collateral Structures
• Bank Ancillary Products
• Internal Partnerships
• Customer Relationship Management

Benefits

• 401(k) Plan with 6% Match
• Health/Dental/Vision Insurance
• Company-paid Life Insurance
• Tuition Reimbursement
• Fitness Reimbursement
• Paid Time Off
• Volunteer Leave
• Paid Holidays
• Plus many more associate perks & incentives!

Pay

Pay is dependent on knowledge, skills, abilities, experience, and location.

Schedule

Regular working hours are typically Monday through Friday from 8:00 AM to 5:00 PM. However, some flexibility may be necessary to accommodate business needs.

Benefits

• 401(k) Plan with 6% Match
• Health/Dental/Vision Insurance
• Company-paid Life Insurance
• Tuition Reimbursement
• Fitness Reimbursement
• Paid Time Off
• Volunteer Leave
• Paid Holidays
• Plus many more associate perks & incentives!

Location

Houston, TX

Equal Opportunity Employer

Minorities/Females/Disabled/Vets