Credit Analyst I

First United Bank•San Antonio, TX

1d•Onsite

About The Position

This position is responsible for analysis and monitoring the financial condition and credit worthiness of individuals and businesses applying for credit by using historical financial analysis and cash flow projections. The Credit Analyst I will analyze all relevant loan data on new, renewal and existing loans, including data provided by credit bureaus, other financial institutions, and First United’s files. They will prepare thorough and concise memos, spreadsheets, reports, summaries and opinions for Loan Officers on new, renewal and existing loans within established deadlines. This role effectively manages the bank’s exposure to identified risks, and recommends appropriate structure for transactions in accordance with First United’s credit policy. The Credit Analyst I oversees and manages financial information files to assure current reports, statements, accounts receivable and other information on customer accounts, and notifies Loan Officers of any potential problems in a timely manner. They will establish, review and update new and existing loan files for the Bank on a regular basis and provide technical advice and assistance to Loan Officers. Additionally, this role performs credit inquiries.

Requirements

Bachelor’s degree in Finance, Accounting or related field.
Minimum of 1- 4 years banking industry experience.
Six months experience with credit systems.
Knowledge of accounting sufficient to understand and analyze the relationships between the different financial statements, in order to produce a written analysis.
Strong financial analytical abilities, with knowledge of financial ratios.
Strong Excel skills.
Good interpersonal, technical, problem solving, and written communication skills needed for preparation of credit memos and analysis of financial statements.
Demonstrates initiative, judgment/discernment and self motivation to work with minimal supervision.
Demonstrates resourcefulness and concern for quality by understanding systems and processes and suggesting changes when necessary to increase overall efficiency.
Demonstrates dependability through good attendance and adherence to time lines and schedules.

Nice To Haves

Typically focuses on memos for relationships ranging from $500,000 to $2,000,000.

Responsibilities

Analyzes all relevant loan data on new, renewal and existing loans, including data provided by credit bureaus, other financial institutions, and First United’s files.
Prepares thorough and concise memo’s, spread sheets, reports, summaries and opinions for Loan Officers on new, renewal and existing loans within established deadlines.
Effectively manages the bank’s exposure to identified risks, and recommends appropriate structure for transaction in accordance with First United’s credit policy.
Oversees and manages financial information files to assure current reports, statements, accounts receivable and other information on customer accounts, and notifies Loan Officers of any potential problems in a timely manner.
Establishes, reviews and updates new and existing loan files for the Bank on a regular basis.
Provides technical advice and assistance to Loan Officers.
Performs credit inquiries.
Effectively communicates with Loan Officers and Bank Management in a clear, accurate, and concise manner.
Generates solutions to problems and suggests alternative solutions when necessary.
Contributes to Bank-wide projects while following specific and detailed instructions in a timely manner.
Creates and maintains solid working relationship with Loan Officers and other team members.
Ability to adhere to all company policies, core values and procedures.
Genuine interest in learning and working in the banking profession.
Dresses professionally.
Other duties as assigned.