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Commercial Credit Analyst

Company: SNI Companies
Location: Dallas
Posted on: May 16, 2022

Job Description:

for established community bank $55K-$95K Summary of the Job : Provides credit analysis support by analyzing commercial loan requests, evaluating the financial condition of businesses and individuals, identifying strengths and weaknesses, providing recommendations and noting any deviations from policy as appropriate. Essential Functions : Evaluates the level of risk posed to the bank from borrowers, transactions, collateral, and industries. Analyzes and evaluates complex financial information, loan data, market data, and other information for companies and industries. Produces analysis for new, renewal and existing loans, using data provided from financial statements, tax returns, industry sources, credit bureaus, and other sources. Prepares memorandums, spreadsheets, reports, summaries and opinions for credit committee and officers for use in lending decisions. These work products may include credit investigations of companies and industries; economic and market conditions; in-depth historical financial analysis; in-depth projected financial analysis; ---what if--- scenarios that test the reasonableness of projections; collateral analysis; and the financial analysis of individuals. Creates, reviews, and updates new and existing reports for Southside Bank---s loan portfolio analysis and tracking, as needed. Provides technical advice and assistance to loan officers, as needed. Attends meetings, as appropriate, and is available to answer questions regarding credit analysis. May participate in customer meetings, as needed. Maintains knowledge of current and emerging legal, compliance, and market matters involving commercial lending. Participates in special projects and assignments and performs other duties as assigned. Provides enthusiastic, professional, and courteous service to the Southside Bank---s customers and employees. Maintains a positive atmosphere for customers and employees consistent with Southside Bank---s mission and philosophy. Maintains the security and confidentiality of pertinent information and records. Must comply with all applicable laws, regulations, and bank policies. Required Education/Experience : Required: Bachelor---s degree in business administration from an accredited college or university in finance, accounting or related area. Preferred: MBA or other related advanced degree. Minimum of 2-5 years of experience in commercial credit analysis in a banking environment. This experience should include spreading, financial statement analysis, and drafting comprehensive C&I and/or CRE credit memorandums for large and/or complicated transactions and borrowers.

Keywords: SNI Companies, Dallas , Commercial Credit Analyst, Professions , Dallas, Texas

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