Commercial Banking Analyst (74083)

TEXAS SECURITY BANK•Dallas, TX

About The Position

The Commercial Banking Analyst works closely with other Commercial Banking Analysts, Commercial Lenders, and the Chief Credit Officer and is responsible for underwriting and coordinating the closing of Commercial and SBA loans in compliance with the Bank’s lending policies and procedures, monitoring the Bank’s existing loan portfolio, preparing monthly reports for senior management team, training new Commercial Banking Analysts and interns, and ensuring compliance with all Bank policies and procedures, as well as all applicable state and federal banking regulations.

Nice To Haves

Bachelor’s degree in business administration, finance, or accounting
Possesses 9-12 hours of accounting college credit hours with a B or better
Strong personal motivation and attention to detail
Strong organizational skills
Ability to multi-task and work in a deadline driven environment
Ability to work independently and in a team environment
Internship or work experience in a banking or financial environment

Responsibilities

Completing the credit training program
Understanding general accounting principles and concepts
Spreading and analyzing historical and projected financials
Identifying borrower credit, industry and market risks
Identifying and analyzing sources of repayment and collateral
Preparing sensitivity analysis and financial covenant models
Monitoring and verifying borrowing base reports
Maintaining borrower credit files, credit applications and financial tracking logs
Loan Structure - underwriting working capital, equipment, real estate, and SBA loan structures
Loan Documentation