Commercial Bank Credit Analyst II or III

AMERICAN BANK OF COMMERCE•Addison, TX

10h•Onsite

About The Position

ABC Bank is seeking a Commercial Credit Analyst II or III for its Addison Branch. The role analyzes credit data and financial statements to assess lending risk for existing and prospective borrowers, reviews financial performance and management quality, and prepares accurate, factual reports to guide credit decisions. The analyst may work with lenders and other analysts, assist with credit analysis and loan structuring, and complete loan applications and summaries for loan committee review. The position also includes developing and delivering training and development programs for credit analysts, assessing training needs, and creating training materials and evaluation procedures. The role requires compliance with applicable laws, regulations, company policies, and the Bank’s information security requirements. The posting highlights ABC Bank’s focus on relationships, simplicity, and integrity, as well as a supportive team environment and opportunities for growth and career development.

Requirements

Minimum of 3–5 years of credit analyst experience.
Finance or accounting degree strongly preferred.
Ability to common-size financial statements and understand the information.
Knowledge of customer service and skills in providing it.
Knowledge of ABC Bank products and services.
Knowledge of commercial, agricultural, and real estate loans.
Active learning, active listening, and critical-thinking skills.
Learning strategies and ability to select appropriate training and instructional methods.
Business math skills.
Reading comprehension, speaking, and writing skills.
Service orientation and social perceptiveness.
Complex problem-solving and time-management skills.
Excel and spreadsheet skills, including entering and formatting data, manipulating cells, and creating worksheets, charts, and graphs.
Word-processing skills, including creating, editing, formatting, printing, saving, and retrieving documents.
Database skills, including managing and retrieving information and creating reports.
Other PC skills, such as Lotus Notes.
Presentation skills.
Sales and marketing skills and ability to close a sale.
Qualified applicants must undergo drug screening and background, credit, and reference checks.

Nice To Haves

Finance or accounting degree.
Experience at the Credit Analyst III level, including working closely with lenders and other analysts and applying judgment and creative problem-solving.

Responsibilities

Analyze credit data and financial statements to assess the risk of lending to existing and potential borrowers.
Prepare clear, factual, comprehensive reports summarizing credit risk.
Review financial data, including income growth, management quality, and expected loan profitability.
Compare borrowers’ liquidity, profitability, and credit histories with comparable businesses in similar industries and geographic locations.
Evaluate customer financial records and recommend payment plans based on earnings, savings, payment history, and purchase activity.
Assist other analysts with credit analysis and loan structuring when needed.
Plan, develop, and deliver credit analyst training and development programs using methods such as classroom instruction, demonstrations, on-the-job training, meetings, conferences, and workshops.
Conduct or arrange ongoing technical training and development classes for credit analysts.
Conduct orientation and on-the-job training for credit analysts.
Develop testing and evaluation procedures for training.
Assess training needs and develop new programs or improve existing programs.
Develop and organize training manuals, visual aids, and other educational materials.
Complete loan applications, including credit analyses and summaries of loan requests, and submit them to loan committees for approval.
Perform other duties assigned by a supervisor or management.
Comply with federal, state, and company policies, procedures, laws, and regulations.
Follow security responsibilities outlined in the Bank’s Information Security Program and Written Security Program.