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The Bank of San Antonio

Job Description

Position Title: Commercial Credit Analyst, II Job Grade:

Business Title: Commercial Credit Analyst, II

Salary Range: Department /Unit: Credit Department Officer Level: FSLA (Exempt/NonExempt): Exempt

Reports to: Credit Manager Company

Profile: The Bank of San Antonio was created to serve San Antonio businesses. The diverse group of local business and community leaders who founded it envisioned a strong local bank committed to personal relationships and customer services that would be able to offer the products and technologies of a big national bank. The Bank of San Antonio is committed to the prime principles of client service: Integrity, Personal Service, Expertise, and Flexibility. All interactions with clients will be of the highest caliber, earning clients’ trust and confidence. We will establish long-term, loyal relationships. Our recommendations will be educated, astute, and relevant to each client’s individual circumstances. Streamlined decision-making protocol will allow us to develop sound financial solutions for a broad spectrum of situations.

Position Summary: The Commercial Credit Analysts will support The Bank of San Antonio’s commercial business plan by researching and calculating risks for complex commercial transactions such as granting businesses loans and extending lines of credit for equipment and other goods. Commercial Credit Analysts are required to be quantitative thinkers who are able to take into consideration a large number of variables in order to make evaluations. Works as part of a team and interacts with management, other departments, and clients; requiring good communication and interpersonal skills. Assist Relationship Managers with prospective clients as related to credit. Familiar with standard concepts, practices, procedures, regulations, and laws within the Commercial Lending and Credit Analyst field. Relies on limited experience and judgment to plan and accomplish goals. Performs a variety of tasks. Works under general supervision, with a degree of creativity and latitude required. Ensures excellent internal and external client relations at all times.

Responsibilities and Duties:  Analyze credit worthiness of all current and prospective business customers.  Obtain, investigate, and analyze credit data, records, and spread financial statements.  Confer with credit associations and other business representatives to exchange credit information.  Provide in-depth written analysis of commercial credit requests.  Recommend loan structuring.  Prepare internal monthly reports that include the degree of risk involved in extending credit or lending money.  Perform periodic reviews and risk ratings of existing borrowers and key vendors  Ensure adherence to commercial loan policy standards, procedures, regulations, and laws.  Ensure loan policy exceptions are documented and discussed appropriately in credit approval documents.  Create, maintain, and organize credit files and perform a review of loan covenant compliance.  Consult and communicate effectively with internal and external clients as necessary to resolve issues during the loan approval process.  Demonstrate exemplary service and professionalism to clients and prospects when going with Relationship Managers on customer calls related to specific commercial loan requests.  May identify cross-sell and referral opportunities. Skills:  Active Listening – Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.  Speaking – Talking to others to convey information effectively.  Reading and Written Comprehension – Understanding written sentences and paragraphs in work-related documents; proficient in business writing.  Mathematics – Using mathematics to solve problems.  Critical Thinking – Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems; sound judgment and decision-making.  Service Orientation – Actively looking for ways to help people.  Instructing – Teaching others how to do something.  Ability to prioritize and meet deadlines.  Unquestionable ethics, detail-oriented, and strong organizational skills.  Proficient with various Microsoft applications and Internet-based applications.  Ability to work well in a team environment that promotes inclusiveness and communication among team members.  Flexible; ability to adapt to a changing environment.  Desire to self-development by staying aware of current trends and new developments in the field of Commercial Lending, credit policy/procedures, regulations, and laws.

Education and Experience Qualifications:  Requires Bachelor’s degree with an emphasis on business/finance/economics; minimum three years experience underwriting commercial loan transactions. Three years plus experience with financial statements and credit analyst skills preferred. Prior experience in credit underwriting spreading software such as Moody’s Financial Analyst and Credit Quest. Working Conditions: Work environment characteristics and physical demands described here are representatives of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.  While performing the duties of this job, reasonable mobility in and around the work area is required. The employee is required to have the mobility to move about an office, sit; use hands to finger, handle, or feel objects, tools, or controls; reach with hands and arms; talk or hear; taste or smell. The employee must occasionally lift and/or move up to 15 pounds. The ability to use a standard computer, printers, scanners and phone system is required. Specific vision abilities required by the job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus. The employee is not exposed to weather conditions. Normal office environment where there is almost no discomfort due to temperature, dust, noise, or other disagreeable elements. Occasionally need to travel to company and/or client locations for meetings or service needs. The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. “We are proud to be an Equal Opportunity Employer.” “We do not discriminate on the basis of race, religion, color, sex, sexual orientation, gender identity, age, national origin, veteran status or disability.”