Senior Credit Analyst

City Bank • Houston, TX

14d • Onsite

About The Position

The Credit Analyst is responsible for gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for diversified types of loans; assists loan officers in writing loan requests; promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services. Essential Duties Proven ability to manage all essential duties of the City Bank Credit Analyst position. Prepare comprehensive loan memorandums detailing loan requests and credit quality for loan presentations and approval. Senior Credit Analysts are expected to underwrite credit requests of all sizes and complexity. Participate in the credit review process and insure that all underwriting, policy, and compliance procedures are followed. Efficiently Familiarize oneself with City Bank policy to effectively interpret, apply, and advise on policy. Maintain effective relationships with Senior Management and lending staff and assist Lenders on client calls/meetings. Maintain effective relationships with Senior Management and lending staff and assist Lenders on client calls/meetings. Mentor and train credit analysts as well as coordinate and oversee internal group training. Participate in the hiring process and development of the credit department. Identify and coordinate external training opportunities for credit department. Ensure that procedures and credit requests comply with City Bank’s loan policy. Participate in external training modules that consist of advanced credit analysis training a minimum of 2 times per year. Other job duties as required by the Regional Credit Managers.

Requirements

• Proven ability to manage all essential duties of the City Bank Credit Analyst position.
• Ability to underwrite credit requests of all sizes and complexity.
• Ability to participate in the credit review process and ensure that all underwriting, policy, and compliance procedures are followed.
• Ability to familiarize oneself with City Bank policy to effectively interpret, apply, and advise on policy.
• Ability to maintain effective relationships with Senior Management and lending staff.
• Ability to assist Lenders on client calls/meetings.
• Ability to mentor and train credit analysts.
• Ability to coordinate and oversee internal group training.
• Ability to participate in the hiring process and development of the credit department.
• Ability to identify and coordinate external training opportunities for the credit department.
• Ability to ensure that procedures and credit requests comply with City Bank’s loan policy.
• Ability to participate in external training modules that consist of advanced credit analysis training a minimum of 2 times per year.

Responsibilities

• Gathering and analyzing credit information on current and potential borrowers.
• Determining the advisability of granting credit for diversified types of loans.
• Assisting loan officers in writing loan requests.
• Promoting business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.
• Preparing comprehensive loan memorandums detailing loan requests and credit quality for loan presentations and approval.
• Underwriting credit requests of all sizes and complexity.
• Participating in the credit review process and ensuring that all underwriting, policy, and compliance procedures are followed.
• Familiarizing oneself with City Bank policy to effectively interpret, apply, and advise on policy.
• Maintaining effective relationships with Senior Management and lending staff and assisting Lenders on client calls/meetings.
• Mentoring and training credit analysts.
• Coordinating and overseeing internal group training.
• Participating in the hiring process and development of the credit department.
• Identifying and coordinating external training opportunities for the credit department.
• Ensuring that procedures and credit requests comply with City Bank’s loan policy.
• Participating in external training modules that consist of advanced credit analysis training a minimum of 2 times per year.
• Performing other job duties as required by the Regional Credit Managers.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed