This is a full-time on-site role for a Credit Analyst in San Antonio, TX. The Credit Analyst will be responsible for evaluating credit data and financial statements, analyzing loan applications, assessing risk, and making recommendations for credit approvals.
Key Responsibilities
Conduct thorough analysis of financial statements and assessment of credit requests, including new requests and refinancing to evaluate the loan applicant's credit worthiness
Perform cash flow analysis of borrowers to determine risk involved in extending credit
Provide recommendations tied to your analysis and assessment of credit risk
Present analysis, findings, and recommendations to lenders and approvers especially findings that involve a borrower's ability to repay
Maintain a good working knowledge of the Bank's lending policies, rate sheets, etc.
Reconcile credit files and identify discrepancies and variances
Develop and prepare excel spreadsheets and models to support analysis of new and existing credit applications
Perform on-site inspections of current construction loans in progress
Other duties as assigned by supervisor
Qualifications
Bachelor's degree in finance, accounting, or other business-related fields
Two to five years of strong quantitative experience
Strong proficiency in MS Office and general computer use
Ability to effectively manage competing deadlines for projects in a work environment, with varying degrees of supervision
Strong attention to detail and ability to notice discrepancies in data
Must be able to understand financial data (Balance Sheets, Income Statements, Cash Flow Statements, Financial Ratios, etc.) and apply those skills as they pertain to the credit underwriting process. Must be organized, efficient, and able to work independently and be detail oriented to generate accurate reports