Credit Analyst

Austin Bank • Bullard, TX

64d

About The Position

The position involves understanding and complying with regulatory requirements for financial transactions, particularly the Bank Secrecy Act (BSA) and Customer Identification Program (CIP). The employee is expected to provide superior customer service as a member of the Austin Bank team, building strong relationships with customers to meet their banking and financial needs. The role also emphasizes teamwork, communication, and ongoing personal development through training. Responsibilities include preparing credit analyses, reviewing financial statements, and ensuring compliance with bank policies.

Requirements

• Strong understanding of regulatory requirements for financial transactions.
• Excellent customer service skills.
• Ability to build and maintain relationships with customers.
• Teamwork and communication skills.
• Willingness to engage in ongoing training and personal development.
• Strong analytical skills for preparing credit analyses.
• Attention to detail and accuracy in financial reporting.
• Ability to handle multiple tasks and work independently.

Responsibilities

• Understand and comply with regulatory requirements for financial transactions, specifically BSA and CIP.
• Exhibit superior customer service and build strong relationships with customers.
• Participate in developing a teamwork atmosphere with co-workers.
• Stay informed about company communications and take advantage of appropriate communication channels.
• Develop personal skills through ongoing training.
• Uphold the organization's values relating to ethics, integrity, and confidentiality.
• Greet customers and provide superior customer service.
• Prepare Credit Analysis including analysis of borrower and guarantor financial statements, cash flows, and company history.
• Review credit files and information from loan officers.
• Prepare financial statement spreads, cash flows, Loan Memo, and detailed Credit Analysis.
• Develop questions and information needs for loan officers after reviewing files.
• Pull and analyze credit reports on individuals and Experian reports on companies.
• Research industry information and RMA comparisons.
• Review credit files, loan agreements, and loan policy for compliance.
• Prepare profitability models.
• Send completed packages to Credit Officer and/or Loan Officer for review.
• Distribute loan packages to Committee Members after changes.
• Order appraisals.
• Attend Loan Committee meetings.
• Accompany loan officers on customer calls.
• Maintain knowledge of specialized industries.
• Ensure work is performed accurately utilizing accounting principles and business finance standards.
• Perform job responsibilities without close supervision and handle multiple tasks.
• Report to work regularly and promptly.
• Maintain confidentiality at all times.
• Maintain established department and Bank policies, procedures, and objectives.

What This Job Offers

• Industry: Credit Intermediation and Related Activities
• Number of Employees: 251-500 employees