The Credit Analyst is responsible for analyzing credit information on current and potential borrowers; determining the merit of various types of loan requests; assisting loan officers in underwriting and documenting the extension of credit and completing/creating various reports used to manage the entire portfolio. Credit Analysts work primarily within the commercial loan function and play a key role in helping determine potential loan structure and approval decisions. Analysts work closely with a number of different lenders and across multiple industry types to gain a comprehensive knowledge of the entire lending process. Other key job opportunities include attending committee meetings as senior management makes strategic decisions and offering input/analysis to assist with the decision-making process.
NECESSARY SKILLS
- Curiosity and eagerness to learn
- Analytical skills
- Excellent written and verbal communication skills
- Organizational and time-management skills
- Personal and people management skills
- Effective technological skills, especially proficient in Microsoft Word and Excel. Familiarity with data base queries and functions is preferred
- Bachelor’s degree required (preferred major Finance or Accounting)
ESSENTIAL DUTIES AND RESPONSIBILITIES
- Assist loan officers in coordinating and completing loan analysis as assigned
- Analyze financial statements by developing models of credit information to identify patterns and trends (i.e. debt service/cash flow models, sensitivity analysis, charting financials, etc.)
- Assemble analysis/loan information for committee review and make loan presentation for some assigned loans
- Research industry trends and/or other public information related to borrowers
- Perform collateral inspections
- Loan risk-grade evaluations and memorandums
- Prepare reports to enhance risk management function of the Bank
- Communicate with borrowers about their business, financial statements, industry, etc.
Job Type: Full-time
Salary: undisclosed
Physical setting: Office
Schedule: Day, M-F
Education: Bachelor’s Degree or higher
Work location: in person
FNBCT provides excellent benefits and a competitive compensation package. We are an equal opportunity employer M/F/D/V. FBNCT provides reasonable accommodation for persons with a disability.
Click on the link below to apply to work at The First National Bank of Central Texas:
You can also send your resume to: [email protected]
About Us
The First National Bank of Central Texas, with over one hundred employees, and an asset size of over $1.6 Billion, is poised for continued growth and fulfilling our mission of: “excellent service in a friendly environment for the prosperity of our communities.” Learn more about FNBCT, we’ve got a story to share, our history, values, and our friendly, professional team. Our History
