Bank Commercial Credit Analyst II
Company: AMERICAN BANK OF COMMERCE
Posted on: August 7, 2022
Are you looking for a long-term career that is service oriented
where you can provide support and service to others in a
professional work environment? If you are cooperative, disciplined,
detail oriented, and strive to achieve goals consistently and
efficiently, then our Commercial Credit Analyst position would be a
good fit for you.
We are currently seeking qualified applicants to work as a Bank
Commercial Credit Analyst II at our Austin or Dallas Texas Banking
A successful Commercial Credit Analyst has a strong attention to
detail and professional communication where both content and
presentation are polished and factual. A Commercial Credit Analyst
analyzes current credit data and financial statements of
individuals or firms to determine the degree of risk involved in
extending credit or lending money. They prepare reports with this
credit information for use in decision making. The position
involves using judgement, creative problem solving, and working
collaboratively with the lenders and other analysts.
Primary Job Functions:
Analyze credit data and financial statements to determine the
degree of risk involved in extending credit or lending money on
existing and potential borrowers.
Prepare written reports that include the degree of risk involved in
extending credit or lending money.
Analyze financial data such as income growth and quality of
management to determine expected profitability of loans.
Compare liquidity, profitability, and credit histories of
establishments being evaluated with those of similar establishments
in the same industries and geographic locations.
Evaluate customer records and recommend payment plans based on
earnings, savings data, payment history, and purchase activity.
OUR MISSION: Financial Professionals - Finding Solutions - Making a
OUR VISION: The ABC Family of Companies vows to be partners in
helping our customers make the most of their finances. Our shared
vision is to provide the highest quality products and services
designed to fit the unique needs of each customer.
OUR GOAL: To place customer satisfaction and loyalty as our number
one priority, to maximize returns to stakeholders, and to create a
nurturing environment where employees can maximize their
We offer a competitive salary and excellent benefit packages.
Benefits vary based on employment status and position but can
Medical, Dental, Vision, Telemedicine
Paid Time off, Paid Volunteer Time, and Paid Holidays
Flexible Spending Account, Dependent Care FSA
Basic Life and AD&D Insurance, Voluntary Life and AD&D
401k Retirement Plan
Recruiting Referral Bonus
Employee Stock Ownership Plan
Gym Membership Reimbursement Program
Think this is something you are interested in; we invite you to
apply! Come join the American Bank of Commerce team to find out why
our employees love community banking and the ability to serve our
customers in our local communities!
Active Learning: Understanding the implications of new information
for both current and future problem-solving and
Active Listening: Giving full attention to what other people are
saying, taking time to understand the points being made, asking
questions as appropriate, and not interrupting at inappropriate
Critical Thinking: Using logic and reasoning to identify the
strengths and weaknesses of alternative solutions, conclusions or
approaches to problems.
Learning Strategies: Selecting and using training/instructional
methods and procedures appropriate for the situation when learning
and teaching new things.
Business Math Skills
Reading Comprehension: Understanding written sentences and
paragraphs in work-related documents.
Speaking: Talking to others to convey information effectively.
Writing: Communicating effectively in writing as appropriate for
the needs of the audience.
Service Orientation: Actively looking for ways to help people.
Social Perceptiveness: Being aware of others' reactions and
understanding why they react as they do.
Complex Problem Solving Skills: Identifying complex problems and
reviewing information to develop and evaluate options and implement
Time Management Skills: Managing one's own time and the time of
Excel / Spreadsheets: Using Excel to enter and format text and
numerical data; insert, delete and manipulate cells, rows and
columns; and create and save worksheets, charts, and graphs.
Word Processing; Using a computer application to type text, insert
pictures, format, edit, print, save and retrieve word processing
Databases: Using a computer application to manage large amounts of
information, including and editing simple databases, inputting
data, retrieving specific records, and creating reports to
communicate the information.
Other PC skills
Sales and Marketing Skills
Ability to Close the Sale
The ability to common size financial statements and understand the
Customer Service Knowledge and Skills
ABC Products and Services
Commercial, Ag and Real Estate Loan Knowledge
Business or Finance Degree strongly preferred
Minimum of 1 year of credit analyst experience
If you are unable to submit your application electronically, you
may contact the Human Resources Department at 806-775-5000 so that
we may assist you. Our Company assures that all applicants for
employment and all of its employees are given equal consideration
based solely on job related factors, such as qualifications,
performance and availability. Such equal consideration applies to
all personnel actions, including, but not limited to, recruitment,
selection, appointment, job assignment, training, promotion, merit
increases, demotion, termination, pay rates and fringe
The company commits to a rigorous and planned effort to encourage
men and women of every race, color, religion, sex, sexual
orientation, gender identity, national origin, age, disability,
veteran status, or any other non-job-related characteristic to find
happy, vital and productive job fulfillment at all levels of our
Qualified applicants will be required to have a drug screen in
addition to background, credit, and reference checks.
Keywords: AMERICAN BANK OF COMMERCE, Austin , Bank Commercial Credit Analyst II, Professions , Austin, Texas
Didn't find what you're looking for? Search again!