Commercial Credit Analyst III

Investar Bank • Houston, TX

108d

About The Position

The position involves prescreening and underwriting loan requests related to commercial real estate and commercial and industrial transactions. The role requires recommending the approval and structure of proposed loans based on a thorough analysis of financial statements, tax returns, and other relevant financial information. The candidate will assist loan officers by running scenarios related to the upfront pricing and structuring of loan requests, while managing and completing assignments in a high production environment to meet service level agreements and turn time targets without sacrificing quality.

Requirements

• Ability to work under stress and meet deadlines.
• Ability to operate a keyboard if required for performing essential job functions.
• Ability to read and interpret documents.
• Ability to travel if required to perform essential job functions.
• Ability to lift/move/carry approximately 20 pounds if required to perform essential job functions.

Responsibilities

• Assists loan officers by running scenarios related to the upfront pricing and structuring of loan requests.
• Proactively manages and completes assignments in a high production environment to achieve service level agreements and turn time targets.
• Reviews borrower financial statements, tax returns, and other relevant financial information to perform cash flow and reserve analyses.
• Reviews leases, rent rolls, and operating statements for multi-family and commercial investment properties.
• Compares property and occupancy and net operating income to comparable properties in the marketplace.
• Develops pro-forma cash flow statements.
• Reviews title reports, appraisals, environmental site assessments, and physical condition reports related to commercial properties offered as collateral.
• Assesses the location, physical condition, economic/investment viability, quality of management, and marketability of commercial real estate offered as collateral.
• Reviews receivables aging reports, inventory reports, equipment valuations, and other relevant documentation critical in analyzing a commercial and industrial loan request.
• Assists in ongoing covenant monitoring of commercial real estate and commercial and industrial loan requests.
• Reviews borrower organizational documents, credit reports, and other relevant documentation critical to a proper credit analysis.
• Independently develops rationale for recommending approval or decline of loan requests.
• Prepares written credit workbooks including household summaries, loan summaries, transaction explanation, project and global cash flow analysis, guarantor analysis, and credit recommendation.
• Conducts periodic and scheduled reviews of loans and loan relationships in accordance with bank policy.
• Assists loan officers in the collection of updated tax returns, financial statements, and other relevant documentation required annually or to underwrite a new loan request.
• Manages the day-to-day functions of a regional credit department, including pipeline management, maturing loans, technical exceptions, covenant monitoring, borrowing base monitoring, delinquencies, and other portfolio management tasks.
• Serves as subject matter expert to the Credit Department for various types of lending including commercial and industrial, agricultural, public/municipal finance, or SBA/Government sponsored programs.
• Demonstrates behaviors aligned with the organization's desired culture and values.
• Ensures compliance with all applicable laws, regulations, policies, and guidelines.
• Performs other related duties as required and assigned.

What This Job Offers

• Industry: Credit Intermediation and Related Activities