Credit Analyst

Job Classification: Full-Time, Non-Exempt

Reports to: Asst Credit Risk Officer

Position Summary

The Credit Analyst must demonstrate and promote integrity, ethics, and professionalism in all core competencies (such as audits, risk management, accuracy, and documentation) within the bank. Analyzes credit data to estimate degree of risk involved in extending credit or lending money to firms or individuals and supports credit lending decisions by analyzing customer's financial condition and ability to pay.

Principal Duties and Responsibilities

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, skills and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

1. Prepares loan presentation and other relevant credit presentations to management and Board committees. The analyst is responsible for verbally presenting relevant credit materials and incorporating any meaningful feedback and constructive criticism into final presentation, as needed.
2. Underwrites and recommends disposition of credit requests of the Bank in specific written form and in compliance with Bank policies after reviewing and evaluating all available sources of financial, credit and collateral information.
3. Reviews financial and collateral data on existing borrowing relationships, analyzing risk factors for annual portfolio reviews.
4. Studies economic trends in firm's industry or branch of industry to predict probable success of new customer.
5. Visits establishments to determine condition of plant and equipment and compare methods of operation with accepted practices in industry.
6. Evaluates results of investigations, prepares reports of findings, and suggests credit limitations to management.
7. Contacts banks, trade and credit associations, salespeople, and others to obtain credit information.
8. Maintains database of customer credit histories. Consults with management to assist in corporate planning.
9. Interfaces with Loan Officers professionally and effectively without delay.
10. Maintains and secures client credit files both electronically and on paper.
11. Manages and reports application status for loans and managing the denied and withdrawn loan process for the Bank.
12. Maintains customer confidence and protects operations by keeping information confidential.
13. Promote business for the bank by maintaining good customer relations (internal and external) and referring customers to the appropriate staff for new services.
14. Complies with Federal, State, and local legal requirements by studying existing and new laws; enforcing adherence to requirements; and advising management on needed actions.
15. Complies with all established bank policies and procedures.
16. Performs other related duties as necessary or assigned.

Other Responsibilities

• Must have excellent analysis, observation and decision-making skills, using relevant information and individual judgment to determine whether transactions, events or processes within scope of authority comply with laws, regulations or Bank standards.
• Must be able to work independently and complete assigned projects with minimal supervision.
• Must possess good organizational skills and must be very detailed oriented.
• Familiarity with, and the ability to utilize, online research tools and other computer programs such as word processing, spreadsheet and database software programs.
• Ability to read, analyze and interpret documents such as rules, government regulations, operating instructions and procedure manuals.
• Able to identify and resolve problems in a timely manner, gathering and analyzing information skillfully
• Should possess excellent interpersonal and communication skills for maintaining effective relationships with officers, employees, and members of the business and civic community.
• Demonstrates persistence and overcomes obstacles.

Education and Experience Requirements

• Bachelor's degree in Finance, Accounting, Business Administration, or related fields, is required.
• Two years of banking experience in underwriting and portfolio management preferred.
• Ability to write routine correspondence and communicate effectively and tactfully, orally and in writing with employees, customers, vendors, and management.
• Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals. Ability to use a basic calculator.
• Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form.
• Familiarity with Windows-based computer required. Previous experience with the Microsoft Office suite and banking-related software preferred.

Work Environment

The work environment is fast-paced and detail-oriented, working standard office hours. Occasional evening or weekend work may be required for events and special projects.

Training Requirements

All employees are required to attend scheduled mandatory trainings and complete online regulatory compliance training courses applicable to their specific job function. In all situations, employees must ensure that their actions fully comply with all federal banking laws and regulations, including internal bank policies and procedures. Failure to adhere to these requirements will be grounds for disciplinary action, including probation and possible termination.

Community Involvement

Texas National Bank's Mission Statement includes a commitment to helping our communities grow by serving them with pride and integrity. All employees are encouraged to volunteer for bank sponsored activities, civic, charitable and community events and to be active in the communities we serve.

Management reserves the right to change this position description at any time according to business needs.

Our Hiring Philosophy:

Texas National Bank recognizes that the quality of our people is the foundation for our success. Attracting individuals who value a challenging work environment that rewards the contributions of its people is the cornerstone of our hiring philosophy. It is the policy of Texas National Bank to provide equal employment opportunities (EEO) to all persons regardless of age, race, sex, religion, national origin, handicap, marital status, or other attributes not pertinent to the job requirements. This policy reflects our practice of making all employment decisions, from recruitment to promotions, based on an individual's qualifications without discrimination on any basis.

Acknowledgment:

I understand that this job description should in no way be construed as a contract for employment, but rather it is intended to indicate the general nature and level of work to be performed. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to or from this job at any time. It is not designed to contain nor be interpreted as a comprehensive account of all responsibilities and/or qualifications required of an employee assigned to this job. These job duties may be subject to change at any time due to reasonable accommodation or other reasons. Further, I understand that if I have any physical limitations or require any accommodation in order to perform the essential functions of my job, I must immediately inform my supervisor or manager.

Employee's Printed Name Employee's Signature Date

Manager's Printed Name Manager's Signature Date

In the absence of the Manager's signature, the HR Manager will sign on behalf of the Bank.