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Guaranty Bank & Trust · 11 hours ago

Credit Analyst I

Austin, TX

Full-time

Onsite

New Grad, Entry Level

Guaranty Bank & Trust is committed to helping customers achieve their financial goals. They are seeking a Full-Time Credit Analyst I to conduct high-level analyses on commercial/business loans, prepare loan presentations, and ensure compliance with bank policies.

Banking

No H1B

Responsibilities

Perform financial covenant calculations for compliance monitoring and exceptions required on customer within the bank

Manage required financial reporting, compliance certificates and other required reporting such as rent rolls, borrowing bases, and other loan agreement requirements for customers within the bank

Determine any violations within loan agreements for customers within the bank being monitored for credit committee

Performs financial analysis, complete annual review loan packages, and make recommendations on existing credits for risk grading and exposure limits

Perform regular loan portfolio reviews based on risk and/or size of all credit types (commercial, consumer, residential, equipment, Small Business Administration, mortgage, HELOC, participations, etc.) for asset quality, thorough and accurate documentation and compliance with relevant state and federal regulations

Determines credit worthiness by analyzing various commercial credit vehicles including financial statements (Balance Sheet, Income Statement, and Statement of Cash Flow), commercial credit bureau reports (Dun and Bradstreet, Experian & Equifax), SEC Filings, bond ratings, grants, tax returns, letters of credit, and budgetary information

Review third party reports, cash flow analysis, credit strength, property characteristics and all other information pertinent to the credit decision process on each application

Monitors and tests compliance with loan covenants and conditions, prepares borrowing bases and assists in draw processing for a lending relationship

Uses a thorough understanding of the Bank’s underwriting guidelines as well as analytical skills to produce basic to intermediate credit analysis for new extensions of credit, renewals of credit, annual reviews, modifications and other assignments

Prepares annual reviews for lending relationships by analyzing updated financial information along with current market/industry data to verify continuing credit worthiness of borrowers, recommending adjustments to the risk profile of the relationship accordingly

Assist with creating and distributing job related managerial reports

Comply with all federal, state and local regulatory rules and regulations governing financial institutions, as well as all Company policies and procedures

Complete and pass all required regulatory compliance training as assigned

Participate in special lending-related projects and meetings as directed

Perform any additional duties and tasks assigned by management

Qualification

Financial analysisExcel (intermediate)Credit analysisData interpretationCommunication skillsRegulatory complianceStrategic recommendationsPresentation skillsOrganizational skills