PlainsCapital Bank · 1 day ago
Credit Analyst II
Fort Worth, TX
Full-time
Onsite
Entry, Mid Level
2+ years expPlainsCapital Bank is seeking to hire a Credit Analyst II. The role involves providing full service to Commercial Loan Officers by analyzing commercial loan requests, offering recommendations, and monitoring loans for compliance with policies.
BankingFinancial Services
No H1B
Responsibilities
Analyzes financial statements (including performance ratios) of all levels of quality to develop initial assessment by identifying strengths and weaknesses as pertaining to borrower’s historical operating performance
Prepares written analyses which include: Credit investigation of the borrower and guarantors; Economic and market conditions as they relate to the company, industry, and market area; In-depth historical financial analysis, including communicating with the borrower’s accountant to gain a better understanding of the company’s accounting practices; In-depth projection financial analysis, including the performance of 'what if' scenarios that test the reasonableness of the projections; In-depth analysis of the secondary sources of repayment such as collateral; In-depth analysis of a guarantor’s financial position
Identifies borrower's strengths and weaknesses
Collects and maintains industry data; researches industry specific information from outside sources, including conversations with the borrower, industry publications, references from other banks, credit agencies, as well as accessing information through the internet
Attends Management Loan Committee, Board Committees, as appropriate, to be available to answer questions regarding credit analysis as necessary; often presents the loan request to the committee
Participates in customer meetings as requested by officers (may require travel at times)
Performs real estate appraisal reviews for lenders in all regions
Performs vehicle floor plan inspections and reports finding to lending management
Processes and establishes accountability pertaining to Commercial Loan Agreement requirements/covenants
Monitors periodic inspections pertaining to real estate construction projects – loan advances versus project completion
Qualification
Required
Must be eligible to work in the U.S. without sponsorship now or in the future
Must be able to report to our PlainsCapital Branch located at 3707 Camp Bowie Blvd, Suite 220, Ft. Worth, TX 76107, without the need for relocation assistance
Bachelor's degree in Business or related field required
2 to 4 years of experience in credit analysis required, preferably in commercial loans
Excellent verbal, written and interpersonal communication skills
Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems
Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment
Must be self-motivated with strong initiative, accountability, and attention to detail
Preferred
Accounting or Finance degree strongly preferred
Company
PlainsCapital Bank
PlainsCapital Bank, a subsidiary of PlainsCapital Corporation, is one of the largest independent banks in Texas
1001-5000 employees
Funding
Current Stage
Late StageLeadership Team
Jerry Schaffner
President/CEO
Brian Heflin
Chief Operating Officer
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