Commercial Credit Risk Review Analyst - Bellaire or Victoria

Prosperity Bank•Victoria, TX

1d•Onsite

About The Position

The Commercial Credit Risk Review Analyst position involves analyzing and conducting systematic loan reviews of commercial loan relationships to ascertain the adequacy of credit quality and compliance with established policies. The role requires identifying credit risk and assigning appropriate credit risk grades. The analyst will complete loan reviews independently, perform various financial analyses including cash flow, balance sheet, trend, and collateral valuation, and recommend credit risk grades with supporting reasons. The position also involves identifying documentation and policy exceptions, spreading and analyzing financial statements, and reviewing loans for risk grade appropriateness at the time of approval/origination. Additionally, the analyst will assist with quarterly board loan review meeting preparation and with analysis, monitoring, and grade changes using 'target-risk' loan data reports.

Requirements

Bachelor’s Degree in Business Administration, Accounting or Finance with a minimum of 12 hours of accounting
Must be analytical and detail oriented
Working knowledge of Excel, MS Word, and database applications
Ability to learn new software applications
Good oral and written communication skills
Ability to learn and adhere to policies, procedures, and compliance regulations
Work productively under direct supervision as well as independently
Ability to apply logical or scientific thinking to define problems, collect data establish facts and draw conclusions
Able to interpret a variety of technical instructions and can deal with multiple variables
Strong math skills including ability to balance accounts; add, subtract, multiply, and divide in all units of measure using whole numbers, common fractions, and decimals; locate common mathematical errors
Ability to read periodicals, journals, manuals, dictionaries, thesauruses, and encyclopedias
Ability to prepare business letters, proposals, summaries, and reports using prescribed format and conforming to all rules of punctuation, grammar, diction, and style
Ability to conduct training, communicates at panel discussions, and make professional presentations

Nice To Haves

A minimum of 2 years’ experience in commercial credit areas of banking is preferred

Responsibilities

Complete Loan Reviews independently
Perform loan reviews of existing commercial loans
Compile & input loan and financial data obtained from loan system and file documents into individual loan review forms
Perform cash flow adequacy analysis, balance sheet analysis, trend analysis, collateral valuation adequacy analysis, and other credit quality assessments relevant to the credit grade determination of the loan(s)
Recommend credit risk grades and provide supporting reasons
Identify documentation and policy exceptions in the individual report
Spreading and analysis of commercial financial statements & tax returns of existing loan customers as well as personal financial statements and tax returns of related guarantors when needed
Review Loans at time of Approval/Origination for Risk Grade appropriateness
Assist with quarterly board loan review meeting preparation: Collecting reviews into shared folder, creating cover page listing of reviews, compiling report of exceptions from the reviews, compiling exception trend reports, etc.
Assist with analysis, monitoring, and grade changes using ‘target-risk’ loan data reports
Other duties as assigned