Credit Analyst

Austin Bank • Rusk, 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. Responsibilities include preparing credit analyses, reviewing credit files, and ensuring compliance with bank policies.

Responsibilities

• Understand and comply with regulatory requirements for financial transactions, specifically BSA and CIP.
• Exhibit superior customer service as an Austin Bank team member.
• Demonstrate high-quality relationship-building techniques.
• Promote a loyal relationship between the customer and Austin Bank.
• Participate in developing a teamwork atmosphere with co-workers.
• Stay abreast of company communications.
• Develop personal skills and capabilities 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 the credit file and any information from the loan officer.
• Prepare financial statement spreads, cash flows, Loan Memo, and detailed Credit Analysis.
• Develop a list of questions and information needs for the loan officer after reviewing the file.
• Pull and analyze credit reports on individuals.
• Pull and analyze Experian reports on companies.
• Research industry information and RMA comparisons.
• Review credit files, loan agreements, and loan policy for compliance.
• Prepare profitability model.
• Send completed package to Credit Officer and/or Loan Officer for review.
• Distribute loan package to Committee Members upon completion of changes.
• Order appraisals.
• Attend Loan Committee meetings.
• Accompany loan officers on customer calls.
• Maintain knowledge of specialized industries.
• Ensure work is accurately performed utilizing accounting principles and business finance standards.
• Perform job responsibilities without close supervision.
• Handle multiple tasks.
• Report to work regularly and promptly.
• Maintain confidentiality at all times.
• Enhance professional growth and development through participation in in-service meetings and current literature.

What This Job Offers

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