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Credit Analyst


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Job Description

Title: Credit Analyst

Multiple Locations:

Full time position

Banking-Financial Services

Education: Degree in Finance, Accounting, or Economics



Credit Analyst

The Credit Analyst works closely with other credit analysts, relationship managers and Chief Credit Officer and is responsible for underwriting and coordinating the closing of routine Commercial and SBA loans in compliance with the Bank’s lending policies and procedures; monitoring Bank’s existing loan portfolio; preparing monthly reports for senior management team; training new credit analysts; and assures compliance with all Bank policies and procedures, as well as all applicable state and federal banking regulations.


The Credit Analyst should have a working knowledge of:

          General accounting principles and concepts

          Spreading and analyzing historical, budget and projected financials

          Identifying borrower credit, industry and market risks

          Identifying and analyzing sources of repayment and collateral

          Preparing sensitivity analysis and financial covenant models

          Monitoring and verifying customer borrowing base reports

          Maintaining borrower credit files, credit applications and financial tracking logs

          Working Capital, Equipment, Real Estate (Owner Occupied & Investor) and SBA Loan     Structures

          Standard Loan Documentation Components



Job Requirements

Preferred Skills/Qualifications

          Bachelor’s degree in business administration, finance, accounting and/or economics

          Possesses 9-12 hours of accounting college credit hours

          Has attended commercial credit training program and/or credit underwriting classes

          CRCM Preferred but not required

          Strong personal motivation and attention to detail

          Strong organizational skills

          Ability to multi-task and work in a deadline driven environment

          Ability to work independently and in a team environment

Job Snapshot

Contact Name Elizabeth
Contact Phone 214-515-7609
Post Date 3/19/2015
Location Houston, TX
Base Pay $65,000.00 - $85,000.00 /Year
Employment Type Full-Time
Job Type Banking
Education 4 Year Degree
Experience 2 to 5 years
Manages Others No
Relocation No
Industry Banking - Financial Services
Required Travel None
Job ID 580514
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