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Form of workThe position of Senior Credit Analyst is responsible for gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for diversified types of loans; assists loan officers in writing loan requests; promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.
Assures compliance with all Bank policies and procedures, as well as, all applicable state and federal banking regulations.
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.
26. Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action.
27. Follows policies and procedures; completes administrative tasks correctly and on time; supports the Bank's goals and values; benefits the bank through outside activities.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
MINIMUM REQUIREMENTS
These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.
• BBA in Finance or Accounting with formal bank training.
• 12 hours of accounting required
• Basic experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
• Basic knowledge of commercial, construction, real estate and consumer loan processing.
• Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures.
• Basic knowledge of related state and federal loan regulations and other Bank lending policies.
• Ability to effectively present information and respond to questions from groups of managers, customers, and members of the general public.
• Proficient in Microsoft Word and Excel.
• Basic typing skills to meet production needs of the position.
• Basic math skills; calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
• Excellent oral, written and interpersonal communication skills with the ability to carry out instructions and instruct others, interpret documents, understand procedures, write reports and correspondence, speak clearly to customers and employees.
• Ability to deal with normal problems involving multiple facets and variables in non-standardized situations.
• Excellent organizational and time management skills.
• Ability to work with minimal supervision while performing duties.
Stellar Benefits:
We believe that empowering people goes far beyond the workplace. That's why we've designed our benefits to help foster your health and prosperity, so you can best support yourself, your loved ones and your communities
- Health Care Coverage, no waiting period
- Dental/Vision
- STD/LTD
- Annual Performance Bonus Eligible
- 401K with company match
- Paid Vacation
- Volunteer days
- Tuition Assistance
- And More
What it Means to Be Stellar:
Stellar Bank came to be in 2023, when Allegiance Bank and Community Bank of Texas joined forces. What emerged was a financial institution like no other. Stellar bankers set the standard for responsive, relationship-based community banking. We have the resources, dedication and personal focus to out-bank the big banks and out-service the small banks. Our customers see us as a vital part of the team. We are their financial expertswho go above and beyond to help them form a plan and get it done
Join Stellar Bank and, yes, you'll be providing outstanding banking. But you'll be achieving something much greater. At Stellar, we empower people to thrive. This is our purpose. This would be your purpose. Here you'd be part of a supportive culture where relationships bond, individuals grow, communities prosper and careers flourish. You can make a difference at Stellar - for yourself and for everyone around you.
Stellar Bank does not discriminate on the basis of race, color, religion, national origin, sex, disability, familial status or any other characteristic protected by applicable federal, state, or local laws, regulations and ordinances.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
