- Performs financial analysis and makes recommendations on new and existing credits and exposures.
- 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.
- Periodically review and provide oversight analysis for lending policies, procedures and servicing functions within the Bank. Validate that applicable laws and regulations are addressed by policy, ensures that actual procedures and processes uphold the written policy and makes suggestions or recommendations for changes, updates or revisions to policy content.
- 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.
- Prepares a Credit Analysis Summary (CAS) of Commercial applicants requesting large lines of credit by analyzing the customer, interpreting the request, identifying the risk factors, performing a risk assessment, and providing a summary and recommendation.
- Create and distribute 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.
- Intermediate Excel capabilities including macros, pivot tables and formulas
- Ability to use key performance metrics and data to provide insights and make strategic business recommendations
- Ability to organize, analyze and interpret data to explain complex irregularities or trends
- Strong communication and presentation skills
- Travel to business locations will be required.
- Bachelor's degree ( finance,accounting, or related field)
- Minimum of 2 years previous experience with data collection methodologies
- Minimum of 2 years of experience in a banking credit analyst role
-
Financial Analyst, New Market Tax Credits
1 week ago
Baker Tilly US, LLP Austin, United StatesOverview: · Baker Tilly US, LLP (Baker Tilly) is a leading advisory, tax and assurance firm, providing clients a genuine coast-to-coast and global advantage with critical mass and top-notch talent in major regions of the U.S. and in many of the world's leading financial centers - ...
-
Credit Analyst I
1 week ago
Prosperity Bank Austin, United States Full timePOSITION PURPOSE · Responsible for analyzing credit and financial reports to determine risk involved in loaning money or extending credit. · ESSENTIAL FUNCTIONS AND BASIC DUTIES · Spreading and analysis of commercial financial statements for prospective and existing loan custom ...
-
Private Credit Loan Operations Analyst
1 week ago
AllianceBernstein Austin, United StatesAB is a leading global investment management firm that offers high-quality research and diversified investment services to institutional clients, individuals and private clients in major markets around the world. · AB Private Credit Investors ("AB-PCI") is the private corporate ...
-
Private Credit Loan Operations Analyst
1 week ago
AllianceBernstein Holding L.P. Austin, United StatesAB is a leading global investment management firm that offers high-quality research and diversified investment services to institutional clients, individuals and private clients in major markets around the world. · AB Private Credit Investors ("AB-PCI") is the private corporate ...
-
Financial Analyst, New Market Tax Credits
1 week ago
Baker Tilly Virchow Krause Austin, United StatesIts an exciting time to join Baker Tilly We are looking for a Financial Analyst/ Underwriter to join our Capital Formation Team. The Capital Formation Team at Baker Tilly (BT) is comprised of dedicated, client-focused professionals specializing in Financial Analyst, Tax, Financia ...
-
Financial Analyst, New Market Tax Credits
5 days ago
Baker Tilly US, LLP Austin, United StatesOverview: · Baker Tilly US, LLP (Baker Tilly) is a leading advisory, tax and assurance firm, providing clients a genuine coast-to-coast and global advantage with critical mass and top-notch talent in major regions of the U.S. and in many of the worlds leading financial centers N ...
-
Fraud & Loss Prevention Analyst Iii
1 week ago
Sunflower Bank NA Austin, United States**Sunflower Bank, N.A.** is looking for an energetic, highly motivated individual to fill the position of a full-time **Fraud & Loss Prevention Analyst III** The primary responsibility of this role is to conduct thorough investigations into several types of fraud, including ACH, ...
-
Fraud & Loss Prevention Analyst I
6 days ago
Sunflower Bank NA Austin, United States**Sunflower Bank, N.A**. is looking for a qualified, motivated individual for the role of **Fraud & Loss Prevention Analyst I **in** Austin, TX.** The primary responsibility of this role is to conduct thorough investigations into several types of fraud, including ACH, wire, check ...
-
Billing Analyst
1 week ago
Fourth Enterprises, LLC Austin, United StatesThe **Billing Analyst** is responsible for accurate and timely customer invoicing, regular maintenance of billing accounts and for the general integrity of customer and subscription data in our systems. This position supports Sales, Customer Success and Collections by handling bi ...
-
Farm Credit Network Austin, United StatesWho we are: · Farm Credit Bank of Texas is a $36.8 billion wholesale bank that has been financing agriculture and rural America for over 100 years. Headquartered in Austin, Texas, we provide funding and services to rural lending associations in five states, and we are active in t ...
-
Accessibility Compliance Analyst
1 week ago
Texas Comptroller of Public Accounts Austin, United States**About the Comptroller's Office** · Innovation, collaboration, and a commitment to excellence best describes the culture here at the Comptroller's Office. We take pride in the work we do serving as Texas' accountant, tax collector, treasurer, and much more · **Culture** · Our ag ...
-
Fy 24-92 Accountant Iv
1 day ago
The Texas Facilities Commission Austin, United States**Texas Facilities Commission** · **Employment Opportunities** · **JOB Vacancy Notice: FY 24-92** · **Business Title: Accountant State Classification: Accountant IV** · **Salary Group: B20** · **Salary: $4, month)** · **$52, year) Hours/Week: 8:00am-5:00pm, Mon.Fri.** · **Locatio ...
-
Director of Credit
1 week ago
Highcrest Capital LLC Austin, United StatesJob Description/Requirements · Company: Highcrest Capital LLC · Job Title: Director of Credit · Location: Either San Diego, CA, Atlanta, GA or Austin, TX · Overview · Highcrest Capital LLC ("Company") is actively seeking a seasoned Director of Credit to lead our dynamic cred ...
-
Bank Credit Department Manager
1 week ago
Theabcbank Austin, United StatesCome join the American Bank of Commerce team to find out why our employees love community banking and the ability to serve our customers in our local communities. · We are currently seeking qualified applicants to work as a Bank Credit Department Manager at our Austin Banking Cen ...
-
Bank Credit Department Manager
1 week ago
American Bank of Commerce Austin, United StatesJob Description · Job Description Description: Come join the American Bank of Commerce team to find out why our employees love community banking and the ability to serve our customers in our local communities. · We are currently seeking qualified applicants to work as a Bank Cr ...
-
Sales & Use Tax Analyst
1 week ago
Ultimate Staffing Austin, United StatesBusiness Analyst - Sales and Use Tax Analyst · Location: Austin, TX hybrid schedule · Hours: Monday - Friday 8am - 5pm · Pay: $40 - $50/hr · Duration: Through end of July 2024 with the possibility of being extended · An industry leading grocer is seeking a Business Analyst - ...
-
Director of Credit, Highcrest Capital
2 weeks ago
Highcrest Capital LLC Austin, United StatesDirector of Credit for a Hedge Fund · Company: · Highcrest Capital LLC · Job Title: · Director of Credit for a Hedge Fund · Location: · San Diego, California, or Austin, Texas · Overview · Highcrest Capital LLC ("Company") is seeking an experienced Director of Credit to over ...
-
Director of Credit
2 days ago
Highcrest Capital LLC Austin, United StatesJob Description/Requirements · Company: · Highcrest Capital LLC · Job Title: · Director of Credit · Location: · Either San Diego, CA, Atlanta, GA or Austin, TX · Overview · Highcrest Capital LLC ("Company") is actively seeking a seasoned Director of Credit to lead our dynami ...
-
Sr. Credit Officer
4 days ago
The Symicor Group Austin, United StatesSr. Credit Officer – To $150K – Austin, TX – Job # 3170 · Who We Are · The Symicor Group is a boutique talent acquisition firm based in Lincolnshire, IL & Rockport, TX. Our nationally unique value proposition centers around providing the very best available banking and accounti ...
-
Commercial Lender
2 weeks ago
Babich & Associates Austin, United StatesReputable, fast-growing company seeking an experienced commercial lender in the Austin area with a focus on C&I lending. · Key Responsibilities: · Client Relationship Management: · Develop and maintain relationships with commercial clients, understanding their business goals, ...
Senior Credit Analyst - Austin, United States - Guaranty Bank & Trust
Description
At Guaranty Bank & Trust, we are passionate about helping others and our communities. We strive to stand out and be different, and as a result, our business is growing fast
Guaranty Bank & Trust offers competitive pay and benefits, generous time off, continued training and career development. Do you want to work for a respected financial institution who supports innovation, promotes collaboration, is environmentally responsible, technology driven, ethical, and is willing to invest in your career? If so, we should meet
We are currently searching for the right person to join our team as a Credit Analyst.
Job Duties:
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR c)
