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Credit Analyst

Location: Austin
Posted on: January 25, 2023

Job Description:

Summary: The Credit Analyst is responsible for credit analysis and review of new and existing lines of credit. Primary Responsibilities:Analyze credit information for use by lending officers or committees in making lending decisions on new, renewal and extension loans:Review all pertinent credit and financial information, including reporting services, credit bureaus, savings and loan associations or banks, and bank files.Determine the need for more thorough investigation or additional information, and contact appropriate sources for such information.Prepare all spreadsheet and financial information.Analyze financial statements and related material.Prepare summary, present facts, and offer opinions concerning creditworthiness to loan officers or committees.Ensure that financial statements for loans are monitored where it is required by policy. Maintain current financial information (less than one year old) in loan file. Mail request letters and conduct phone calls if necessary.Perform annual loan reviews on larger lines. Note and document trends in borrower's financial statements. Perform related duties as assigned.Competency:The competency of the individual in a Credit Analyst position will be evaluated on an on-going basis by the Credit Administration Manager. Competency will also be measured by the results of the examinations of the FDIC and the Texas Department of Banking, the bank's accounting firm, the bank's internal auditing firm, and the bank's loan review firm.Qualifications:To perform the Credit Analyst job successfully, an individual must be able to perform each essential duty in a highly successful manner as determined by the bank's Board of Directors. The requirements listed below are representative of the knowledge, skill, and ability required for the job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential duties.Education/Experience:Bachelor's Degree in Business and Basic Accounting Skills preferred; or one to three years related experience and/or training; or equivalent combination of education and experience. Language and Communication Ability:The individual must have the ability to read, analyze, and interpret technical journals and literature, laws and regulations and legal documents. The individual must have the ability to respond to common inquiries from customers, regulatory agencies, members of the community, shareholders, and others. The individual must have the ability to effectively communicate in writing to many audiences, including shareholders, board of directors, customers, and others and must have the ability to prepare and deliver speeches.Reasoning Ability:The individual must have the ability to define problems, solve problems, collect data, establish facts, and draw valid conclusions. The individual must have the ability to interpret technical instructions and to deal with abstract and concrete issues.Computer Skills:To perform this job successfully, an individual must possess knowledge of word processing software, spread sheet software, internet software, and contact management systems.Work Environment:The work environment characteristics described herein are representative of those an employee encounters while performing the essential duties of this job. The noise level in the work environment is usually moderate or less.Physical Demands:The physical demands described herein are representative of those which must be met by an employee to successfully perform the essential duties of this job. The employee must frequently lift and/or move up to ten pounds and occasionally lift and/or move up to twenty five pounds. While performing the duties of this job, the employee is frequently required to sit, stand, walk, talk, and hear.

Keywords: FRONTIER BANK OF TEXAS, Austin , Credit Analyst, Professions , Austin, Texas

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