Credit Analyst I

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The Position Job Title

Credit Analyst I Job Description

SUMMARY This position is responsible for analysis and monitoring the financial condition and credit worthiness of individuals and businesses applying for credit by using historical financial analysis and cash flow projections.

MAJOR DUTIES AND RESPONSIBILITIES (ESSENTIAL FUNCTIONS) Analyzes all relevant loan data on new renewal and existing loans including data provided by credit bureaus other financial institutions and First Uniteds files. Prepares thorough and concise memos spread sheets reports summaries and opinions for Loan Officers on new renewal and existing loans within established deadlines. Effectively manages the banks exposure to identified risks and recommends appropriate structure for transaction in accordance with First Uniteds credit policy. Oversees and manages financial information files to assure current reports statements accounts receivable and other information on customer accounts and notifies Loan Officers of any potential problems in a timely manner. Establishes reviews and updates new and existing loan files for the Bank on a regular basis. Provides technical advice and assistance to Loan Officers. Performs credit inquiries.

ADDITIONAL DUTIES AND RESONSIBILITIES Effectively communicates with Loan Officers and Bank Management in a clear accurate and concise manner. Generates solutions to problems and suggests alternative solutions when necessary. Contributes to Bank-wide projects while following specific and detailed instructions in a timely manner. Typically focuses on memos for relationships ranging from $500000 to $2000000. Creates and maintains solid working relationship with Loan Officers and other team members. Ability to adhere to all company policies core values and procedures. Genuine interest in learning and working in the banking profession. Dresses professionally. Other duties as assigned.

EMPLOYEE SPECIFICATIONS To perform this job successfully an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and Work Experience Bachelors degree in Finance Accounting or related field. Minimum of 1- 4 years banking industry experience. Six months experience with credit systems. Knowledge of accounting sufficient to understand and analyze the relationships between the different financial statements in order to produce a written analysis.

Technical/Functional Competencies Strong financial analytical abilities with knowledge of financial ratios. Strong Excel skills. Good interpersonal technical problem solving and written communication skills needed for preparation of credit memos and analysis of financial statements. Demonstrates initiative judgment/discernment and self motivation to work with minimal supervision. Demonstrates resourcefulness and concern for quality by understanding systems and processes and suggesting changes when necessary to increase overall efficiency. Demonstrates dependability through good attendance and adherence to time lines and schedules.

NOTE: This job description is not intended to be all-inclusive. Employee may perform other related duties as assigned by supervisor to meet the ongoing needs of the organization.

All Locations:

San Antonio

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First United is an Equal Opportunity Employer. To the extent required by Federal or State law First United does not discriminate in employment opportunities or practices on the basis of race color religion sex national origin or any other characteristic protected by law. Required Experience: IC