Senior Credit Analyst

About the role

The Senior Credit Analyst at United Texas Bank is responsible for conducting financial analysis to determine the best credit structures for clients. This role involves advising on credit structures, products, risk, and repayment, and acting as a subject matter expert and peer guide for the Credit team.

Responsibilities

• Analyze financial information including balance sheets, income statements, cash flow statements, and tax returns to form an opinion of creditworthiness of applicants.
• Determine appropriate risk ratings and make recommendations for approval/denial of loan requests.
• Prepare written credit memorandums for presentation and approval.
• Aid in the analysis, servicing, and reporting on commercial and real estate loans.
• Work with lending staff in the development of appropriate credit decisions, prepare written reports documenting such decisions.
• Provide guidance to lending staff for interpretation and application of lending policies, procedures, and regulatory guidelines.
• Assist with various credit risk management practices, including portfolio stress testing, management and board-level reporting, and regulatory reporting requirements.
• Understand and employ Bank’s policies and procedures.
• Foster open dialogue and strong working relationships with internal and external customers to ensure customer satisfaction.

Requirements

• 2+ years of experience in credit analysis and/or commercial lending.
• 3-5 years of experience in a supervisory or managerial role.
• Knowledge of commercial and real estate underwriting practices along with a balanced knowledge of regulatory governance of commercial lending activities.
• Thorough understanding of GAAP accounting and analysis of corporate credits.
• Proficiency in use of Windows, Microsoft Word, Microsoft Excel, and Microsoft PowerPoint.
• Ability to work under pressure and meet deadlines.
• Team player that is highly motivated and goal oriented.
• Effective oral and written communication with customers, co-workers, and all levels of management.

Benefits

Summary of UTB Employee Benefits: Benefits As a full-time UTB employee you’ll enjoy an array of benefits including a generous Paid Time Off allowance available for use during your first year along with a great paid holiday schedule. We also offer our employees a selection of other benefits including: Medical, Dental, Vision, Health Reimbursement Arrangement (HRA), Flexible Spending Account (FSA), Health Savings Account (HSA), 401K with Employer Match, Life Insurance – Employer Provided, Supplemental Life – Voluntary, Short-term Disability, Long-term Disability, Prescription Discount, Discount Legal Services, ID Theft Protection Services, Pet Insurance.

Pay

Details about pay are not specified in this posting.

Schedule

Details about the schedule are not specified in this posting.