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Southside Bank · 12 hours ago

Credit Analyst II- ON SITE

Fort Worth, TX

Full-time

Onsite

Entry, Mid Level

2+ years exp

Southside Bank is a financial institution looking for a Credit Analyst II to provide credit analysis support. The role involves analyzing commercial loan requests, evaluating financial conditions, and producing detailed reports for lending decisions.

BankingFinanceFinancial Services

Responsibilities

Evaluates the level of risk posed to the Bank from borrowers, transactions, collateral, and industries

Analyzes and evaluates complex financial information, loan data, market data, and other information for companies and industries

Produces analysis for new, renewal and existing loans, using data provided from financial statements, tax returns, industry sources, credit bureaus, and other sources

Prepares memorandums, spreadsheets, reports, summaries and opinions for credit committee and officers for use in lending decisions. These work products may include credit investigations of companies and industries; economic and market conditions; in-depth historical financial analysis; in-depth projected financial analysis; “what if” scenarios that test the reasonableness of projections; collateral analysis; and the financial analysis of individuals

Creates, reviews, and updates new and existing reports for Southside Bank’s loan portfolio analysis and tracking, as needed

Provides technical advice and assistance to loan officers, as needed

Attends meetings, as appropriate, and is available to answer questions regarding credit analysis

Participates in customer meetings, as needed

Maintains knowledge of current and emerging legal, compliance, and market matters involving commercial lending

Participates in special projects and assignments and performs other duties as assigned

Maintains confidentiality of all sensitive Bank information

Maintains a positive and caring atmosphere for customers and employees consistent with Southside Bank’s mission, CORE Values, and Blue Book culture guide

Provides enthusiastic, professional, and courteous service to Southside Bank customers and employees

Participates in proactive team efforts to achieve departmental and company goals

Understands and agrees to abide by the policies and procedures established at Southside Bank

Responsible for complying with audit policies and procedures as they pertain to this position

Performs duties in compliance with applicable laws and regulations, including but not limited to the Bank Secrecy Act (BSA) and related anti-money laundering laws, and in accordance with the Bank’s Information Security Program

Must comply with all applicable laws and regulations

Complies with all safety policies, practices, and procedures. Report all unsafe activities to supervisor and/or Human Resources

Performs additional duties, as assigned or directed

Qualification

Commercial credit analysisFinancial statement analysisTechnical writingMicrosoft ExcelProblem-solvingDetail-orientedSelf-motivatedTime management

Required

Bachelor's degree in business administration from an accredited college or university in finance, accounting or related area

Minimum of 9 hours of accounting courses

Minimum of 2-5 years of experience in commercial credit analysis in a banking environment

General proficiency in computer applications

Advanced proficiency in Microsoft Excel and an ability to understand and produce complex and professional spreadsheets

Excellent technical writing skills

Ability to read, analyze, and interpret the most complex legal and financial documents

Ability to thoroughly research and evaluate information to make decisions and solve problems

Ability to apply principles of logical or technical thinking to a wide range of intellectual and practical problems

Ability to effectively and persuasively write technical memorandums, participate in impromptu discussions, and give speeches covering complex topics to top management, public groups, and/or boards of directors

Ability to work in a high-volume environment and meet deadlines

Strong time management skills and an ability to prioritize daily workflow

Ability to respond effectively to the most sensitive inquiries or complaints

Must be detail-oriented, analytical, and have a passion for problem-solving

Must have a high level of self-motivation and an ability to work independently with minimal day-to-day supervision

Must exhibit good judgment

Must have a high degree of self-confidence, with the ability to provide justification for decisions and the ability to be flexible in adapting to the needs of various parties

Must be dependable, punctual, and reliable in the production of work

Manual dexterity sufficient to reach/handle items and work with fingers

Must be able to remain in a stationary position 90% of the time

The person in this position needs to occasionally move about inside the office to visit other offices, conference rooms, office machinery, etc

Constantly operates a computer and other office productivity machinery, such as a calculator, copy machine, and telephone

Constantly positions self to operate on a computer

The person in this position frequently communicates with other people throughout each day