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WaFd Bank · 11 hours ago

Credit Analyst - Senior (C&I)

Dallas

Full-time

Onsite

Senior Level

5+ years exp

WaFd Bank is a commercial bank that values kindness in serving clients and co-workers. The Senior Credit Analyst is responsible for providing analytical support to relationship managers and officers, gathering and analyzing credit information, and promoting business by maintaining client relations.

BankingFinanceFinancial Services

Responsibilities

Assists Relationship Officers, Relationship Managers and Directors in performing pre-qualification assessment and analysis of financial condition and risk of financing requests within the framework of the Bank’s credit culture and current economic and industry trends

Assists Relationship Officers, Relationship Managers and Directors in gathering data from clients and internal and outside sources; prepares spreadsheets and analyzes financial information, including financial statements and tax returns; contacts clients for additional information and clarification of data

Compiles data from credit bureaus, conducts industry peer comparisons and performs cash flow analyses and other such tasks and comparisons

Informs Relationship Officer, Relationship Manager, Director and Division Manager when up-to-date financial statements are needed for commercial accounts; ensures credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved

Works with Relationship Officers, Relationship Managers and Directors to ensure that all portfolio management responsibilities are well documented and maintained in accordance with management expectations

Assists Relationship Officers, Relationship Managers and Directors in the review and renewal of credit facilities and provides back-up support. May take primary responsibility for certain credit actions (approvals, renewals) per the guidance of the Relationship Manager, Director or Division Manager

Develops knowledge of relevant industries, as well as economic conditions (i.e. interest rates, asset values, competition, market conditions, etc.) that impose risk to the client base

Represents the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business

Reinforces the application of superior client service through his or her own example, along with appropriate follow-through with involved clients and employees

Treats people with respect, keeps commitments, inspires the trust of others, works ethically and with integrity, upholds organizational values and accepts responsibility for his or her own actions

Ensures compliance with all Bank policies, procedures and processes and all applicable state and federal banking laws, rules and regulations; adheres to Bank Secrecy Act (BSA) responsibilities specific to the position

Adherence to bank policies and procedures designed to comply with Federal regulations, including but not limited to the Bank Secrecy Act, USA Patriot Act and OFAC regulations

Completes administrative tasks correctly and on time; supports the Bank’s goals and values

Qualification

Financial analysisCredit analysisCommercial lendingMicrosoft OfficeTax return analysisInterpersonal communicationOrganizational skillsTime managementProblem-solving

Required

Bachelor's Degree or approved equivalent combination of education and experience

Work-related experience should consist of commercial financial analysis or a lending background

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

Strong knowledge of commercial, construction and real estate credit analysis

Ability to analyze and interpret general business periodicals, professional journals and technical procedures

Ability to effectively present information and respond to questions from diverse groups, including managers, customers and members of the general public

Proficient in Microsoft Office suite (Word, Excel and PowerPoint)

Strong typing skills to meet production needs of the position

Strong math skills

Effective verbal, written and interpersonal communication skills, ability to write reports and correspondence and speak clearly to customers and employees

Ability to deal with normal problems involving multiple facets and variables in non-standardized situations and apply common sense in carrying out instructions and solving problems

Excellent organizational and time management skills

Ability to work with minimal supervision while performing duties