Senior Credit Analyst- ON-SITE HOUSTON, TX
About The Position
The Senior Credit Analyst is responsible for commercial credit analysis for the bank’s largest and most complicated loan requests. The role supports commercial loan officers and executive management by analyzing commercial loan requests, identifying strengths and weaknesses, making recommendations, and noting policy deviations as appropriate. The position may also produce periodic management reports and complete other projects as needed. The analyst conducts due diligence, analysis, and underwriting; evaluates borrower and guarantor financial information; and prepares comprehensive credit memorandums and written reports. Reports cover borrower and guarantor credit profiles, relevant economic and market conditions, historical and projected financial performance, projection scenarios, secondary repayment sources such as collateral, and guarantor financial positions. The position may involve attending meetings with prospective and current borrowers to contribute to discussions of credit terms and support business development. The role requires staying informed about legal, compliance, and market matters related to credit approval; maintaining confidentiality; and complying with bank policies, audit procedures, applicable laws and regulations, the Bank Secrecy Act and related anti-money-laundering requirements, and the Bank’s Information Security Program. The analyst also contributes to team and company goals, provides leadership through example and knowledge-sharing, and serves customers and employees professionally in keeping with Southside Bank’s mission, CORE Values, and Blue Book culture guide.
Requirements
- Four-year degree from an accredited college or university in business administration or another related area of study, or equivalent education and experience relevant to lending activities in a financial institution.
- A minimum of 5–7 years of credit experience, with a track record of consistently increasing responsibilities and work knowledge.
- Superior loan evaluation and analysis ability.
- Proficiency in computer applications, including preparing spreadsheets and professional reports.
- High level of competency and comfort with financial accounting concepts.
- Proficiency in lending systems and risk scoring models.
- Manual dexterity sufficient to reach and handle items and work with fingers; ability to perceive attributes of objects and materials.
- Ability to remain stationary for 90% of the time and occasionally move around the office.
- Ability to operate a computer and office productivity equipment such as a calculator, copy machine, and telephone.
- Ability to communicate frequently with others and exchange accurate information.
Responsibilities
- Perform initial due diligence, analysis, and underwriting of large and/or complicated transactions.
- Analyze financial statements and prepare thorough credit memorandums for commercial loan transactions.
- Prepare written reports covering borrower and guarantor credit profiles, economic and market conditions, historical and projected financial analysis, projection scenarios, secondary repayment sources such as collateral, and guarantor financial positions.
- Collect and maintain industry data and research industry-specific information from outside sources.
- May attend meetings with prospective and current borrowers to provide input on credit terms and assist in business development.
- Stay informed about current and emerging legal, compliance, and market matters involving credit approval.
- Continue professional development through training, seminars, and professional association membership, as applicable.
- Provide leadership to others through example and sharing knowledge and skills.
- Maintain confidentiality of sensitive Bank information.
- Provide enthusiastic, professional, and courteous service to Southside Bank customers and employees and help maintain a positive, caring atmosphere consistent with the Bank’s mission, CORE Values, and Blue Book culture guide.
- Participate in proactive team efforts to achieve departmental and company goals.
- Abide by Southside Bank policies and procedures and comply with applicable audit policies and procedures.
- Perform duties in compliance with applicable laws and regulations, including the Bank Secrecy Act, related anti-money-laundering laws, and the Bank’s Information Security Program.
- Comply with safety policies, practices, and procedures and report unsafe activities to a supervisor and/or Human Resources.
- Perform additional duties as assigned or directed.
Benefits
- Medical insurance
- Prescription drug coverage
- Dental insurance
- Vision insurance
- Insurance eligibility for team members and dependents starting on the first day of employment
- 401(k) with a match
- Basic, voluntary, and dependent life insurance
- Paid time off
- Paid bank holidays
- Workplace wellness programs
- Employee assistance programs
- Tuition reimbursement
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What This Job Offers
Job Type
Full-time
Career Level
Senior
