Credit Analyst

Austin Bank • Frankston, 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 exhibit superior customer service as a member of the Austin Bank team, demonstrating high-quality relationship-building techniques to ensure customers receive the best possible solutions to their banking and financial needs. The role also includes participating in a teamwork atmosphere, staying informed about company communications, and developing personal skills through ongoing training. Upholding the organization's values related to ethics, integrity, and confidentiality is crucial.

Requirements

• Strong understanding of regulatory requirements for financial transactions.
• Excellent customer service skills.
• Ability to build and maintain relationships with customers.
• Teamwork and collaboration skills.
• Strong communication skills.
• Ability to analyze financial statements and cash flows.
• Knowledge of accounting principles and business finance standards.
• Ability to handle multiple tasks and work without close supervision.

Nice To Haves

• Experience in the banking or financial services industry.
• Familiarity with credit analysis and loan processing.
• Knowledge of specialized industries relevant to the bank's clientele.

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 and safeguard 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, company history, competition, and industry/market.
• 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 from Credit Officer/Loan Officer.
• 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