Sr. Credit Analyst

Sr. Credit Analyst

Our bank client is seeking to fill a Sr. Credit Analyst role in the Dallas, TX area. The position is responsible for the analysis of financial statements and other relevant factors that accurately assess the creditworthiness of new commercial credit requests and identify and mitigate key risks. This individual will present findings and recommendations in concise written reports that focus on cash flow and ability to repay and include evaluation of collateral and appropriate structure and terms. The Commercial Credit Analyst performs ongoing reviews of the financial condition of existing commercial borrowers. The opportunity has a generous salary of up to $95K and a benefits package.

(This is not a remote position).

Sr. Credit Analyst responsibilities include:

• Responsible for preparing basis and comprehensive credit analyses on commercial loans that facilitates the credit approval process for use by loan officers or committees in the making of lending decisions regarding new, renewal, and extension loans.
• Thoroughly analyzes the most complex commercial credits. Analyzing factors such as income growth, margins, trends, quality of management, market shares, industry risks and collateral assessment. Submits credit approval documents to appropriate personnel for decision-making.
• Analyze & create loan presentations for the commercial loan committee.
• Assist lenders in evaluating credit proposals and proper structure.
• Grade new and existing loans.
• Prepare financial projections and stress tests.
• Present financial information to the loan committee and vote on loan presentations.
• Prepare audits on commercial loans for documentation and credit exceptions, provide recommendations. Maintain a list of ongoing loan exceptions.
• Maintain a list of loans to be funded.

You're someone who wants to influence your own development. You're looking for an opportunity where you can pursue your interests and your passion. Where a job title is not considered the final definition of who you are, but merely the starting point for your future.

You also bring the following skills and experience:

• Bachelor's Degree in a related field of study preferred specialized financial analysis training.
• Five or more years of experience as a Credit Analyst required.
• Experienced in preparing credit presentations.
• Able to manage/process/track annual reviews of the necessary credits.
• Thorough knowledge of current lending and loan review regulations and banking regulations, procedures, and operations.
• Proficient ability to analyze and interpret financial statements.
• Excellent written and verbal communication skills.
• Strong organizational skills with an eye for detail.
• Ability to multi-task.
• Adept with spreadsheet and word processing software as well as have experience working in a digital office environment.

Email us your current resume along with the position you are considering to:

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