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Credit Analyst
Category: Other
  • Your pay will be discussed at your interview

Job code: lhw-e0-90670728

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Texas State Job Bank

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  Job posted:   Thu Jun 7, 2018
  Distance to work:   ? miles
  3 Views, 0 Applications  
Credit Analyst
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities ESSENTIAL DUTIES 1. Assists loan officers in performing pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends. 2. Assists loan officers in gathering data from customers, internal and outside sources; prepares spreadsheets and analyzes financial information including financial statements and tax returns; contacts customers for additional information and clarification of data. 3. Compiles data from credit bureaus, conducts industry peer comparisons, and performs cash flow analyses and other such tasks and comparisons. 4. Writes financial reviews and reports; makes recommendation on loan structures and terms to loan officers. 5. Assists loan officers in Coordinating processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans. 6. Informs loan officers when up-to-date financial statements are needed for commercial accounts; ensures credit inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved 7. Assist loan officers in the review and renewal of credit facilities; provides back-up support. 8. Checks pledged assets as requested by loan officers. 9. Assists with on-going computerization of the loan review function. 10. Assists loan officers in verification of funds with mortgage companies and contractors. 11. Develops knowledge of financial industry, economy, market conditions, rates, vendors and competition. 12. May represent the Bank in various community, civic, and community reinvestment functions to further enhance the Bank s image and develop additional business. 13. Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees. 14. Assists in providing deposit and loan account ratings for loan officers. 15. Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken. 16. Makes Loan presentations when needed as well as make joint calls with lenders on customers and prospects. 17. Tracks and monitors credit exceptions. 18. Prepares write ups for committee loan packages. 19. Performs loan pricing analysis. 20. Monitors and tracks financial reporting and other loan covenants. 21. Analyzes accounts receivable/inventory and borrowing bases for compliance. 22. Performs tax to cash analysis by reviewing personal and partnership tax returns. 23. Operates personal computer to obtain and process data. 24. Answers telephones, answers questions and directs callers to proper Bank personnel. 25. Treats people with respect; keeps commitments; Inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.

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