Credit Analyst I (Full Time) - Lubbock, Ave Q
Prosperity Bank•Lubbock, TX
4d
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 12 hours of accounting and/or 18 hours of finance.
- Minimum two-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.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Number of Employees
1,001-5,000 employees
