Credit Analyst II

Jefferson Bank • San Antonio, TX

1d • Onsite

About The Position

Analyze, format, and communicate information on new and existing loans to identify credit risks. Provide underwriting support to the commercial lending function.

Requirements

• Two years of experience in practices common in field to include spreading of various types of financial statements and an understanding of cash flows analysis
• Bachelor’s Degree in Business, preferably with a Finance or Accounting major w/at least 4 semesters of accounting coursework
• Strong writing, communication and analytical skills are required
• Excellent computer literacy in all Microsoft Programs (Outlook, Word, Excel, PowerPoint) and Adobe Reader
• Ability to work with office equipment such as phone system, 10- key calculator, telephone, copiers, scanners, shredders, fax
• Must be able to hear and speak to communicate with customers
• Ability to solve complex software problems and make valid recommendations
• Proven organizational skills with ability to shift priorities and follow assigned tasks through completion
• Ability to work independently and innovatively with minimal supervision
• Must have high attention to detail with ability to focus on assigned tasks
• Must be accustomed to a fast-paced office environment
• Must be attentive to detail with the ability to work under time constraints
• Must have good interpersonal skills
• Must be able to sit for most of the day in front of a computer
• Must be able to type on a keyboard
• Must be able to speak and hear customers
• Must be able to read a laptop/desktop computer monitor
• Must be able to be mobile in an office environment

Nice To Haves

• Two to four years of experience in the credit department of a bank, with community bank experience preferred
• Typing 40-wpm and 10-Key experience preferred
• Preferred experience with Moody’s Financial Analyst/CreditLens and Jack Henry Silverlake

Responsibilities

• Analyze personal and business financial information as well as entity ownership structures to understand creditworthiness of proposed loan
• Prepare credit approval requests, debt and deposit recaps, financial spreadsheets, cash flow analysis, written memorandums, and other necessary analysis to relay information to senior management in a timely manner
• Assist loan officers in gathering and relaying information between the Bank and its customers
• Attend meetings with customers, loan officers and senior management regularly

What This Job Offers

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