Credit Analyst I (Full Time) - Dallas, Sterling Plaza

PROSPERITY BANK • University Park, TX

75d

About The Position

Responsible for analyzing credit and financial reports to determine risk involved in loaning money or extending credit.

Requirements

• Bachelor’s Degree in Business Administration, Accounting, or Finance with a minimum of 9 hours of accounting and/or 12 hours of finance.
• Minimum one year banking experience preferred.
• Ability to work on multiple transactions simultaneously and prioritize assignments to meet deadlines.
• Strong analytical skills with an ability to interpret complex financial information and identify relevant risks.
• Strong verbal and written communications skills.

Responsibilities

• Spreading and analysis of commercial financial statements for prospective and existing loan customers.
• Perform financial analysis and basic underwriting of loan packages for loan officers to include the following: trend, equity and ratio analysis, loan structuring, collateral analysis, guarantor analysis, and calculation of Global Debt Service Coverage.
• Perform loan reviews of existing commercial loans.
• Recommend credit grades based on creditworthiness of borrower and performance of the loan.
• Identify documentation exceptions and evaluate underwriting.
• CRE Stress Test Analysis.
• Review Rent Rolls, Construction Budgets, Pro Forma Statements, Feasibility Studies, A/R Aging, Inventory, Equipment, Floor Plan Reports, Prepare Stress Model, Projected Income Scenarios, etc.
• Other duties as assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: Bachelor's degree
• Number of Employees: 1,001-5,000 employees