San Antonio, TX30+ days ago
A Bachelor's degree in Business Administration, Finance, Accounting, or related field is preferred • 7+ years of credit analysis, underwriting, portfolio management, relationship management, or a combination of related commercial banking experience • Credit analysis training or certificate program, advanced skills in underwriting larger complex commercial credits, and familiarity with syndication and participation credits is required • Excellent verbal, written, and interpersonal skills • Ability to read, analyze and interpret business periodicals, professional journals, technical procedures or governmental regulations; to write reports, business correspondence and procedure manuals; effectively present information and respond to questions from groups of managers, clients and the general public • Advanced skills • Ability to read, analyze, and interpret business and personal financial statements and federal/state tax returns • Knowledge of non-credit bank products and services • Credit, risk management and negotiation skills • Understands and is capable of correctly applying business principals and financial ratios • Analytical and financial analysis skills • Capable of quick, on-the-spot calculations with a financial calculator • Understands macro and micro economic issues as they apply to business • Understands risks (market, interest rate, leverage, etc.) as it applies to the lending process • Knowledge of loan documentation, loan agreements, loan structuring, collateral perfection and liens, general business contracts, etc. • Understanding of lending policy and procedures and underwriting and regulatory guidelines • Ability to deal with a variety of instructions furnished in written, oral, diagram, or schedule form • Ability to multi-task and work under tight timelines • Self-motivated and well organized • Ability to work independently with minimal supervision • Ability to use sound logic to solve problems with effective solutions • Collaborative and highly coachable • Customer service orientation • Presentation skills • Intermediate skills • Computer literate with ability to quickly learn new software systems; proficient in Microsoft Office Suite of products.