Community Banking Credit Analyst

UBank

Job Location:

Plano, TX - USA

Monthly Salary: Not Disclosed

Posted on: 14 hours ago

Vacancies: 1 Vacancy

Job Summary

Community Banking Credit Analyst

Plano Texas

Full Time / On-Site

Exempt

Position Summary

The Credit Analyst is responsible for accurately and efficiently analyzing underwriting and documenting commercial and/or consumer loan requests including new credit extensions renewals and periodic credit reviews. The Analyst works closely with frontline lending staff to provide timely credit support develop a clear understanding of borrower financial performance identify potential risks and assess the overall credit quality of each request. This position reports directly to the Senior Credit Analyst.

Key Responsibilities

Analyze and underwrite loan requests in accordance with the Banks credit policies procedures and risk standards
Prepare clear well-supported written credit presentations including spread financial statements cash flow analysis collateral evaluation and risk assessment
Partner with lenders to ensure timely responses and efficient workflow while maintaining strong credit discipline
Identify and communicate key credit risks trends and mitigating factors
Participate in new money requests renewals and periodic credit reviews
Ensure all credit documentation is accurate complete and in compliance with internal policies and regulatory requirements
Maintain a strong understanding of the Banks risk appetite loan portfolio and credit culture
Interact regularly with lenders credit leadership and executive management as needed

Qualifications

Bachelors degree in finance accounting business or a related field
12 years of experience in a bank or financial institution required
Strong analytical and financial analysis skills
Excellent written and verbal communication skills
Sound judgment and decision-making abilities with strong attention to detail
Proficiency in financial statement analysis and basic credit concepts

Work Environment & Expectations

Professional banking environment with regular interaction with lenders credit leadership and executive management
Ability to manage multiple priorities and meet deadlines in a fast-paced environment
Commitment to maintaining high standards of credit quality regulatory compliance and sound risk management practices
Demonstrated alignment with the Banks credit philosophy and risk management culture

Required Experience:

Community Banking Credit AnalystPlano TexasFull Time / On-SiteExemptPosition SummaryThe Credit Analyst is responsible for accurately and efficiently analyzing underwriting and documenting commercial and/or consumer loan requests including new credit extensions renewals and periodic credit reviews. T...