Commercial Credit Analyst – 1213948

Austin, TX

Sr. Credit Analyst


Purpose of Position:

Assists the Bank’s Relationship Managers/Bankers in review of complex professional and executive, commercial business and commercial real estate credits/relationships through independent commercial credit analysis and preparing written presentation (credit memorandum, credit requests and /or completion of annual reviews) for credit approvals.

Analyze and underwrite commercial credit requests with little supervision. Conducts credit investigations, spreads financial statements, and analyzes routine credit information pertaining to loans; assists in the preparation of credit information for presentation to loan officers or committees; furnishes information in relation to credit inquiries; provides assistance to loan officers as requested.

Key Accountabilities:

  • Completes the required assignments as defined in the Banker Development Program [BDP]–Phase II.
  • Analyzes pertinent credit and industry information collected from the various credit reporting agencies, other companies, main office files, branch personnel, RMA and the internet.
  • Spreads and analyzes financial reports including but not limited to year-end financial statements, interim financial statements, accounts receivable and accounts payable agings, etc. from the loan officers, borrowers, or borrowers’ accountants.
  • Determines the need for more thorough investigation or additional information.
  • Participates in discussions with and/or calls to existing customers or potential customers.
  • Prepares written detailed analyses, presents facts and offers opinions concerning credit-worthiness of borrowers.
  • Provides credit information and references for customers, loan officers, or other agencies as requested by:
  • Ensuring that all credit files are kept current with latest financial statement, agency reports, etc.
  • Contacting all available sources of information.
  • Assembling all pertinent information and reports.
  • Keeps abreast of current trends within the industry by maintaining peer relationships, attending seminars, workshops and reading industry periodicals.
  • Under supervision compiles the minutes of the Officers’ and Directors’ Loan Committee Meetings.
  • Attends and participates in various committee meetings.
  • Assists with collateral inspections.
  • Assumes additional duties and responsibilities as requested.

Work Experience Requirements:

  • 12 months of commercial credit analysis experience and reasoning skills in a financial institution.
  • Prepare written presentations (credit memorandum, credit requests and /or completion of annual reviews) with supporting analytical reports.
  • Above average interpersonal skills.
  • Self motivated to work in an on-the-job training environment.
  • 2-3 years of strong commercial credit analysis experience in a financial institution is preferred.

Education Requirements:

  • Bachelor’s degree which includes 9 hours of Accounting, 12 hours of Finance.
  • Bachelor’s degree in Accounting or Finance is preferred.
  • Above average, 3.0 or better GPA preferred.

Other Qualifications:

  • Strong computer and keyboarding skills; Word and Excel or other spreadsheet experience necessary.
  • Prior use of financial analysis software.

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