Austin Bank · 3 months ago
Credit Analyst
Longview, TX
Full-time
Onsite
Mid Level
$35K/yr - $62K/yrAustin Bank is seeking a professional Credit Analyst to assess customers' creditworthiness. The role involves providing management support to the Senior Credit Analyst and performing duties related to loan quality evaluation and portfolio assessment.
BitcoinFinancial ServicesVenture Capital
Responsibilities
Understand and comply with regulatory requirements for financial transactions, specifically Bank Secrecy Act (BSA) and Customer Identification Program (CIP)
Exhibit superior customer service as an Austin Bank team member
Demonstrate high quality relationship building techniques to ensure the customer receives the best possible solution to his banking and financial needs
Participate in developing a teamwork atmosphere with co-workers by attending meetings, participating in discussions, and contributing to departmental goals
Stay abreast of company communications by reading publications, announcements and company e-mails
Develop personal skills and capabilities through on-going training
Uphold and safeguard the organization’s values relating to ethics, integrity, and confidentiality
Greet customers and provide superior customer service
Assist Sr. Credit Analyst with review of analysts’ work, including complete loan packages, spreads, cash flows, etc
Assist Sr. Credit Analyst with training of new analysts including the use of internal software programs, analytical skills, and package preparation
Assist with preparation and implementation of new analysis techniques and procedures as required
Prepare Credit Analysis which includes analysis of borrower and guarantor financial statements, cash flows, company history, competition, industry/market, borrowing relationship, etc
Review the credit file and any information from the loan officer
Prepare financial statement spreads, cash flows, Loan Memo and detailed Credit Analysis
Develop list of questions and information needs for loan officer after review of file and information received
Pull and analyze credit reports on individuals
Pull and analyze Experian reports on companies
Research industry information and RMA comparisons
Review credit files, loan agreements, and loan policy for compliance
Prepare profitability model
Send completed package to Credit Officer and/or Loan Officer for review
Distribute loan package to Committee Members upon completion of changes from Credit Officer/Loan Officer
Order Appraisals
Attend Loan Committee meetings
Accompany loan officers on customer calls
Maintain knowledge of specialized industries
Ensure work is accurately/precisely performed utilizing accounting principles and business finance standards along with Bank policies and procedures
Perform job responsibilities without close supervision
Handle multiple tasks
Report to work regularly and promptly
Maintain confidentiality at all times
Provide superior customer service
Maintain established department and Bank policies, procedures and objectives and quality assurance
Enhance professional growth and development through participation in in-service meetings, current literature, etc
Qualification
Required
Professional Credit Analyst experience
Understanding and compliance with regulatory requirements for financial transactions, specifically Bank Secrecy Act (BSA) and Customer Identification Program (CIP)
Superior customer service skills
High quality relationship building techniques
Ability to develop personal skills and capabilities through ongoing training
Upholding and safeguarding the organization's values relating to ethics, integrity, and confidentiality
Ability to assist Sr. Credit Analyst with review of analysts' work, including complete loan packages, spreads, cash flows, etc
Ability to assist Sr. Credit Analyst with training of new analysts including the use of internal software programs, analytical skills, and package preparation
Preparation of Credit Analysis including analysis of borrower and guarantor financial statements, cash flows, company history, competition, industry/market, borrowing relationship
Ability to pull and analyze credit reports on individuals and Experian reports on companies
Researching industry information and RMA comparisons
Reviewing credit files, loan agreements, and loan policy for compliance
Preparation of profitability model
Ability to maintain knowledge of specialized industries
Ensuring work is accurately/precisely performed utilizing accounting principles and business finance standards along with Bank policies and procedures
Ability to perform job responsibilities without close supervision
Ability to handle multiple tasks
Maintaining confidentiality at all times
Maintaining established department and Bank policies, procedures and objectives and quality assurance
Benefits
401(k)
401(k) matching
Employee discount
Flexible schedule
Flexible spending account
Health insurance
Health savings account
Life insurance
Paid time off
Referral program
Retirement plan
Vision insurance
Company
Austin Bank
Austin Bank is a bank that offers personal banking, business banking, and loan services.
Founded in 1900
501-1000 employees
Funding
Current Stage
Late StageLeadership Team
Mike Gunnels
Sr. Executive Vice President Chief Credit Officer
Company data provided by crunchbase