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Lone Star National Bank · 1 day ago

Credit Analyst I

McAllen, TX

Full-time

Onsite

New Grad, Entry Level

Lone Star National Bank is focused on serving their communities with pride and integrity. They are seeking a Credit Analyst I to assist loan officers in evaluating the financial history and creditworthiness of applicants, as well as preparing loan requests and maintaining compliance with regulations.

BankingCommunitiesFinanceFinancial Services

Growth Opportunities

Responsibilities

Assists loan officers in evaluating the financial history and financial statements of credit applicants, with a focus toward assessing creditworthiness

Evaluates financial strength, adequacy of cash flow, the probability of full repayment and determines if collateral or a guarantor is needed to adequately secure the loan

Prepares or assists in the preparation of loan requests for presentation to loan officers or committees

Provides additional assistance to loan officers, as requested

Participates in job specific training and other various Bank training programs, as necessary

Maintains current knowledge of internal risk controls and loss prevention, including reporting of suspicious or unusual customer activity per Bank policy

Maintains current knowledge and complies with all federal and state laws and regulations and all established Bank policies and procedures, including internal audit controls related to department operations

Maintains current knowledge of all rules, regulations, and laws as they apply to BSA/OFAC/USA Patriot Act/CIP/AML

Qualification

Financial analysisCash flow analysisLoan documentationMicrosoft ExcelBilingual in EnglishSpanishMeet deadlinesOrganizational skillsInterpersonal skillsCommunication skillsAttention to detail

Required

A self-starting individual who possesses a Bachelor's degree from an accredited college or university in Accounting, Finance, Economics or a related discipline

Aptitude for math and performing calculations, cash flow analysis and ratios

Computer literacy in Windows, Microsoft Excel and Word

Good organizational, interpersonal and communication skills

Attention to detail and mental concentration are necessary for accurately performing tasks with frequent interruptions

Ability to meet deadlines

Must be able to work extended hours, as required