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Investar Bank, National Association · 3 months ago

Commercial Credit Analyst III

Greenway Plaza, Houston, TX, US

Full-time

Onsite

Mid Level

Investar Bank, National Association is a financial institution focusing on commercial banking services. The Commercial Credit Analyst III is responsible for underwriting loan requests related to commercial real estate and industrial transactions, analyzing financial statements, and recommending loan approvals based on thorough financial analysis.

BankingFinancial ServicesVenture Capital

Responsibilities

Assists loan officers by running scenarios related to the upfront pricing and structuring of loan requests

Proactively and effectively manages and completes assignments in high production environment so that service level agreements and turn time targets are achieved on a consistent basis without sacrificing quality

Reviews borrower financial statements, tax returns and other relevant financial information in order to perform cash flow and reserve analyses

Reviews leases, rent rolls and operating statements for multi-family and commercial investment properties; compares property and occupancy and net operating income to comparable properties in the marketplace; and develops pro-forma cash flow statements

Reviews title reports, appraisals, environmental site assessments, physical condition reports and other third party reports related to commercial properties offered as collateral in connection with loan requests

Assess the location, physical condition, economic/investment viability, quality of management, and marketability of commercial real estate offered as collateral

Reviews receivables aging reports, inventory reports, equipment valuations and other relevant documentation critical in analyzing a commercial and industrial loan request

Assists in on-going covenant monitoring of commercial real estate and commercial and industrial loan requests including monitoring of borrowing bases and approving draws on asset-based lines of credit

Reviews borrower organizational documents, credit reports, and other relevant documentation critical to a proper credit analysis

Independently develops rationale for recommending approval or decline of loan requests

Prepares written credit workbooks which include household summaries, loan summaries, transaction explanation, project and global cash flow analysis, guarantor analysis and credit recommendation

Conducts periodic and scheduled reviews of loans and loan relationships in accordance with bank policy

Assists loan officers in collection of updated tax returns, financial statements, and other relevant documentation required annually or to underwrite a new loan request

Manages the day-to-day functions of a regional credit department, including but not limited to the following: pipeline, maturing loans, technical exceptions, covenant monitoring, borrowing base monitoring, delinquencies, and other portfolio management tasks; or

Serves as subject matter expert to the Credit Department of any of the following types of lending: commercial and industrial, agricultural, public/municipal finance, or SBA/Government sponsored programs

Demonstrates behaviors which are aligned with the organization’s desired culture and values

Ensures that own work is in compliance with all applicable laws, regulations, policies and guidelines

Performs other related duties as required and assigned

Qualification

Commercial real estate analysisFinancial statement analysisLoan underwritingCash flow analysisCovenant monitoringPortfolio managementCredit analysisCommunication skillsAttention to detail

Required

Prescreens and underwrites loan requests related to commercial real estate and commercial and industrial transactions

Recommends the approval and structure of proposed loans based on analysis of financial statements, tax returns, and other financial information relevant to the transaction