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Bank Commercial Credit Analyst II

Company: AMERICAN BANK OF COMMERCE
Location: Austin
Posted on: August 7, 2022

Job Description:

Description:
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 Centers.

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.
About Us:

OUR MISSION: Financial Professionals - Finding Solutions - Making a Difference
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 potential.

Benefits:
We offer a competitive salary and excellent benefit packages. Benefits vary based on employment status and position but can include:
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
Long-Term Disability
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!

Requirements:
Required Skills:
Active Learning: Understanding the implications of new information for both current and future problem-solving and decision-making.
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 time.
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 solutions.
Time Management Skills: Managing one's own time and the time of others.
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 documents.
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
Presentation Skills
Sales and Marketing Skills
Ability to Close the Sale
Required Knowledge:
The ability to common size financial statements and understand the information.
Customer Service Knowledge and Skills
ABC Products and Services
Commercial, Ag and Real Estate Loan Knowledge
Required Education:
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 benefits.
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 company.
Qualified applicants will be required to have a drug screen in addition to background, credit, and reference checks.

PI184793532

Keywords: AMERICAN BANK OF COMMERCE, Austin , Bank Commercial Credit Analyst II, Professions , Austin, Texas

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