Credit Analyst

NEWFIRST NATIONAL BANK • Rosenberg, TX

13d

About The Position

The Credit Analyst supports NewFirst Commercial & Industrial and Commercial Real Estate lending by providing analytical and technical support for underwriting decisions. The role ensures quality and timely processing of new and renewed loans through detailed professional analysis of credit conditions, repayment capacity, cash flow, and collateral. It also helps maintain loan portfolio quality through scheduled financial assessments of large credits and statistical sampling of smaller credits.

The position works with lenders, sales teams, and other stakeholders on loan analysis, underwriting, post-funding monitoring, and loan committee matters. Career advancement to Loan Production Officer is described as probable.

Requirements

• A thorough understanding of financial statements, including balance sheets, income statements, and statements of cash flow.
• Extensive experience with Microsoft Excel, including financial, data, and logic formulas and pivot tables.
• Ability to manage multiple assignments, prioritize, and meet changing deadlines with limited supervision.
• Excellent verbal and written communication skills.
• Strong work ethic, self-motivation, and aptitude for critical thought and decision-making.
• Ability to maintain sensitive and confidential information.
• Minimum of a bachelor’s degree in a relevant business field, such as Accounting, Finance, or Economics, and 1+ years in financial services is preferred; qualified recent graduates or candidates with equivalent related experience will be considered.

Nice To Haves

• A bachelor’s degree in Accounting, Finance, Economics, or another relevant business field.
• At least 1 year of experience in financial services.

Responsibilities

• Analyze and underwrite new and renewed loan requests, including investment real estate, construction and development, operating credit requests such as lines of credit and equipment purchases, and agricultural loans.
• Spread and analyze financial information for lenders and branches throughout the market.
• Participate with sales in preparing credit officer memos and provide financial analysis support.
• Monitor and evaluate post-funding performance and draw requests.
• Participate in Loan Committee meetings with lenders.
• Explain and support loan analysis conclusions to sales, underwriting, senior management, the board of directors, examiners, and customers.
• Support sales administration of Sales Contact files, including creating reports, preparing for sales meetings, and training users.
• Perform other duties as required or assigned by the Senior Credit Associate and support team functions.
• Perform scheduled financial assessments of large credits and statistical sampling of smaller credit portfolios.

What This Job Offers

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