Credit Analyst I

Lone Star National Bank • McAllen, TX

8d • Onsite

About The Position

Among other duties, a Credit Analyst I assists loan officers in evaluating the financial history and financial statements of credit applicants, with a focus toward assessing creditworthiness.

Requirements

• A self-starting individual who possesses a Bachelor’s degree from an accredited college or university in Accounting, Finance, Economics or a related discipline
• Aptitude for math and performing calculations, cash flow analysis and ratios
• Computer literacy in Windows, Microsoft Excel and Word
• Good organizational, interpersonal and communication skills
• Attention to detail and mental concentration are necessary for accurately performing tasks with frequent interruptions
• Ability to meet deadlines
• Must be able to work extended hours, as required

Nice To Haves

• Knowledge of commercial, trade-finance, asset-based lending, loan documentation, financial statements and cash flow analysis is preferred
• Bilingual in English and Spanish is desired

Responsibilities

• Assists loan officers in evaluating the financial history and financial statements of credit applicants, with a focus toward assessing creditworthiness
• Evaluates financial strength, adequacy of cash flow, the probability of full repayment and determines if collateral or a guarantor is needed to adequately secure the loan
• Prepares or assists in the preparation of loan requests for presentation to loan officers or committees
• Provides additional assistance to loan officers, as requested
• Participates in job specific training and other various Bank training programs, as necessary
• Maintains current knowledge of internal risk controls and loss prevention, including reporting of suspicious or unusual customer activity per Bank policy
• Maintains current knowledge and complies with all federal and state laws and regulations and all established Bank policies and procedures, including internal audit controls related to department operations
• Maintains current knowledge of all rules, regulations, and laws as they apply to BSA/OFAC/USA Patriot Act/CIP/AML

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Number of Employees: 501-1,000 employees