Bank Credit Analyst

Cornerstone Home Lending•Lubbock, TX

1d•Onsite

About The Position

Cornerstone Capital Bancorp, Inc., headquartered in Houston, is a Texas-based financial services company dedicated to helping families, businesses, and communities thrive. Through its primary subsidiary, Cornerstone Capital Bank, the organization operates a community and business banking franchise alongside a premier national home lending, servicing, and home insurance platform. Guided by a core Mission, Vision and Convictions statement, Cornerstone operates 17 full-service banking locations across major Texas markets and more than 150 mortgage offices nationwide. The company has served nearly 700,000 customers through its family of brands, including Cornerstone Home Lending, Roscoe Bank, Peoples Bank, Cornerstone Servicing, and Cornerstone Insurance. Supported by 1,600 team members, Cornerstone is consistently recognized as a Fortune-certified Great Place to Work® and a Top Workplace. Formed through the combination of Cornerstone Home Lending and The Roscoe State Bank, Cornerstone brings more than a century of experience and is the highest-capitalized new bank in Texas history. The Credit Analyst will evaluate the financial condition of individuals and businesses applying for lending credit with the financial institution to determine the risk involved.

Requirements

Demonstrate ethical character and judgement with attention to respect, commitment, integrity, values and confidential boundaries
Ability to remain calm and focused in stressful situations
Must be a self-starter and able to work independently possessing good effective time management skills and ability to organize and prioritize
Highly reliable with the ability to maintain regular attendance and punctuality
Sensitivity to confidential information is required
Superb communication and interpersonal skills
Must be analytical and have creative thinking
Must be approachable and present a positive attitude
Impeccable attention to detail
Represent the bank in a professional manner during and outside of office hours
Bachelor’s Degree in related field or equivalent work experience
1+ years of progressive credit experience

Responsibilities

Analyze credit data and financial statements of individuals or businesses to identify the degree of risk involved in lending money or extending credit
Compare financial data to similar businesses in terms of liquidity, profitability and credit histories
Compile information, complete loan applications, and compose reports detailing the degree of risk involved in the loan or credit request and make recommendations
Ensure loan requests are prioritized and deadlines are consistently met
Prepare and present credit reports
Provide accurate information and sound judgment on the credit worthiness of assigned accounts
Ensure all loans are made in adherence with federal, state and local financial regulations
Participates in community activities to promote the organization
Represent the bank in a professional manner during and outside of office hours
Demonstrate flexibility to perform every other duty as assigned