Credit Analyst I

Woodforest National Bank • The Woodlands, TX

4d

About The Position

The Credit Analyst I compiles and analyzes financial data to assess credit risk for new and existing loans. The role prepares underwriting packages and provides input on loan requests to support sound credit decisions by Relationship Managers.

The analyst gathers borrower and guarantor information, reviews financial statements and credit reports, performs cash flow, trend, and industry analyses, and communicates findings and recommendations in written narratives. The role also maintains credit files and department reports, tracks pending requests, and retrieves documentation for audits, examinations, and assessments.

Requirements

• Working knowledge of lending and credit risk management concepts, practices, and procedures.
• Solid technology and internet skills, including intermediate proficiency in Microsoft Word, Outlook, SharePoint, and Excel, and ability to navigate financial software applications.
• Ability to manage multiple responsibilities and projects in a fast-paced environment with competing priorities and deadlines.
• Strong analytical skills and ability to interpret financial data and identify trends.
• Strong attention to detail and concern for data accuracy.
• Excellent critical-thinking and decision-making skills, with demonstrated ability to make sound business judgments.
• Strong customer service and communication skills, including technical writing abilities.
• At least 1 year of experience or exposure working with analytical tools such as Excel or similar.
• At least 1 year of experience working in a group setting and/or on non-complex business projects involving advanced calculations.
• Bachelor’s degree in Accounting, Business, Finance, or Economics, with at least 12 hours of accounting coursework, including Intermediate Accounting I and II, or equivalent. Candidates completing a degree may be considered, but must obtain the degree before the hire date.

Nice To Haves

• At least 1 year of experience in banking or financial services with exposure to Credit Risk Management, consumer or commercial loans, or similar lending compliance-related work.

Responsibilities

• Gather information for underwriting loan packages through customer interviews and requests for credit reports and financial statements from borrowers and guarantors; work to clear outstanding exceptions.
• Spread financial statements and conduct comprehensive analyses, including cash flow, trend, and industry analysis, to assess risk and lending profitability.
• Prepare underwriting packages and communicate results and recommendations in written narratives.
• Monitor and update pipelines and department reports; communicate the status of pending requests with Relationship and Portfolio Managers.
• Maintain physical and electronic credit files and retrieve documentation for audits, examinations, and assessments.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level