Credit Analyst

COMMUNITY NATIONAL BANK•Fort Worth, TX

12d•Onsite

About The Position

Under moderate supervision and in accordance with established policies and procedures, the Credit Analyst assists loan officers with loan analysis. The role develops and analyzes credit information for diverse types of loans, including financial spreadsheets, trend analysis, and written loan overviews. The analyst evaluates credit data and financial statements to assess lending risk, prepares analyses for senior lenders and bank management, and submits completed loan applications and credit summaries to the Financial Risk Manager for review and approval. The position requires compliance with applicable banking laws, regulations, and company policies. It is based in an indoor office environment with a typical 40-hour workweek, varied noise, and occasional heavy distractions. The work involves continuous computer use and requires the ability to remain stationary for extended periods. Overtime may be needed.

Requirements

Bachelor’s degree in Accounting, Finance, or Business Administration.
Knowledge of economic and accounting principles and practices, financial markets, banking, and the analysis and reporting of financial data.
Expert-level knowledge of Microsoft Excel and proficiency in Microsoft Word, Outlook, and Adobe Acrobat.
Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.
Positive attitude, strong work ethic, and team-player attitude.
Ability to work independently while maintaining a team mentality, with internal drive to succeed.
Excellent financial analytical skills, sound judgment, and decision-making abilities.
Strong communication skills for conveying information in person, in writing, by telephone, or by email, including communication with external contacts.
Ability to adapt to technological changes and apply new knowledge to job responsibilities.
Ability to manage requests and maintain consistent workflow, work under pressure, multitask, produce quality work within a narrow timeframe, and learn and adapt to varied and additional responsibilities.

Responsibilities

Stay up to date on and comply with applicable banking laws and regulations, as well as company policies and procedures.
Analyze credit data and financial statements to determine the risk involved in extending credit or lending money.
Request and obtain loan request information and documentation from commercial lenders and lending assistants.
Analyze and interpret loan-related documentation, data, and ratios for new, renewal, and existing loans, including information from clients, credit bureaus, the Federal government, and other third parties.
Prepare spreadsheets, reports, and summaries presenting opinions and analysis to senior lenders and bank management.
Inform management of credit deterioration risks or ethical issues.
Complete loan applications, including credit analyses and summaries of loan requests, and submit them to the Financial Risk Manager for review and approval.
Maintain regular and punctual attendance and work cooperatively with others.
Work overtime as needed.
Perform other duties as required or assigned that are reasonably within the scope of the job classification.