Credit Analyst I

Alliance Bank • Sulphur Springs, TX

1d • Onsite

About The Position

The Credit Analyst I assists lending staff in developing, analyzing, and monitoring loan customers. The position supports preparation of loan requests, review of existing loan files, collateral inspection, analysis of financial information, and other lending-related functions. The employee provides a high level of customer service and promotes Alliance Bank’s products and services.

The role analyzes business financial statements, income statements, cash flows, stress tests, and loan covenants; documents findings for loan presentations; and supports lending staff with loan files and reports. It also coordinates and documents loan committee meetings, assists with special projects, and participates in community affairs to support the bank’s visibility and business opportunities.

The position is based in an office setting with moderately varied desk-oriented activity. The stated schedule is Monday through Friday, 8:00 a.m. to 5:00 p.m.; schedules may change based on business needs and may include evenings, weekends, or holiday coverage.

Requirements

• Ability to read, write, and speak English; bilingual ability is helpful.
• Ability to respond to customer and employee requests with tact, diplomacy, and a sense of urgency.
• Ability to offer Alliance Bank’s products and services.
• High school diploma or equivalent, knowledge of specialized principles typically obtained through a formal four-year academic program, and at least three years of experience in a financial institution; or an equivalent combination of education and experience.
• Excellent interpersonal communication skills.
• Highly detail-oriented, with the ability to organize, schedule, and prioritize tasks, responsibilities, and departmental functions.
• Ability to work well under pressure and in a high-stress environment.
• Excellent writing, communication, and reporting skills.
• Proficiency in Microsoft Excel and Word.
• Ability to operate basic office equipment, including a PC with job-related software.
• Previous supervisory and management experience.
• Ability to handle bank and customer transactions with a high level of confidentiality.
• Knowledge of state and federal regulations.
• Knowledge of Alliance Bank’s loan policies, procedures, products, and services.
• Ability to work a schedule that may change with business needs and may include evenings, weekends, or holidays.
• Ability to stand, bend, stoop, squat, and kneel.
• Ability to perform repetitive finger, wrist, and hand movements.
• Ability to lift 50 pounds.

Nice To Haves

• Bilingual ability.

Responsibilities

• Personify Alliance Bank’s mission statement, “The best in all we do.”
• Actively sell and cross-sell bank services.
• Provide prompt, courteous, and friendly service, and model Alliance Bank’s customer experience culture.
• Assist lenders in preparing loan presentation packages for commercial, agricultural, and real estate notes.
• Use knowledge of financial statements and income statements and analyze them for various types of businesses.
• Create cash flows and stress tests for various types of businesses.
• Clearly communicate analysis findings in writing for loan presentations.
• Prepare financial statement analyses at the request of lending staff.
• Assist lending staff with file documentation.
• Coordinate Directors’ Loan meetings by contacting applicable members, notifying them of meetings, and confirming their ability to attend.
• Take minutes for the Bank Loan Committee and Directors’ Loan Committee, and review minutes for the Classified Loan Committee and Officers Past Due Committee to ensure alignment with the credit application.
• Obtain and share customer information.
• Operate the computer and phone system during bank and directors’ loan committee meetings, strategic planning meetings, monthly Board meetings, and other meetings as needed.
• Analyze covenants for participated and non-participated credits.
• Provide monthly and quarterly reports to management and the Board.
• Compile data for and assist with special projects.
• Regularly check and respond to calls, text messages, and emails when issued bank-owned devices.
• Participate in community affairs to increase Alliance Bank’s visibility and enhance new business opportunities.
• Keep updated on applicable laws, regulations, and Alliance Bank policies and procedures.
• Maintain exemplary attendance and punctuality.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED