Posted : Saturday, April 06, 2024 08:58 AM
American Bank is seeking a highly motivated Credit Analyst.
The ideal candidate must be well organized, flexible and self-directed, with excellent judgment.
This position will analyze financial statements, prepare recommendations about the customers financials and risk.
Analyst ensures compliance with credit policies and procedures while balancing customer satisfaction with risk management.
Strong written and verbal communication skills are essential.
Additionally, this position provides the opportunity to become a Commercial Lender within 2-3 years after mastering the Credit Analyst position.
Responsibilities:
Analyze financial statements to detect trends in financial condition including comparing liquidity, profitability, cash flow adequacy, strengths & weaknesses and credit histories of individuals & companies
Develop analytical reviews on financial statements for medium & large relationships
Assist Loan Officers (Relationship Managers) in the preparation of loan packages including credit analyses and summaries of loan requests for committee presentation
Monitor Loan agreements to ensure compliance
Review & Approve a consumer’s ability to repay any consumer credit transaction secured by a dwelling.
Support lending staff by monitoring collateral and performing site inspections on construction and floor plan loans
Review collateral appraisals to ensure validity & accuracy of collateral values
Assist in the ordering of appraisals
File UCC’s as requested for loan assistants
Assist in the monitoring of collateral values on loans with any renewal or subsequent transactions
Perform/Review collateral evaluations and appraisals
Requirements & Qualifications:
Proficient document management skills
Advanced experience with Microsoft Office Suite
Ability to multitask while maintaining a high degree of attention to detail and accuracy
Excellent analytical problem-solving capabilities; ability to exercise independent judgment in methods, techniques and evaluation criteria for obtaining results
Able to exercise a high degree of confidentiality
Excellent organizational skills
Thoughtful decision-making, problem resolution and creative thinking skills a must
Experience:
Bachelor’s degree or equivalent work experience required; emphasis in Finance, Banking or Accounting preferred.
• Phone : NA
• Location : 200 W Hwy 6, Waco, TX
• Post ID: 9092169940
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