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    Credit Analyst III - Dallas, United States - First United Bank

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    Description
    Join Our Team

    We have a great team of friendly, talented and inspiring people at First United. As a learning organization, we take pride in offering exciting opportunities for employees to grow and follow their passions. That's one of the many reasons First United has been voted as one of the top places to work in Oklahoma since 2009 Browse this page to find out more about the First United culture and the many benefits of working here. Then, use our "Get Started" section to take your first step to being a part of First United.

    The Position

    Job Title
    Credit Analyst III

    Job Description
    • SUMMARY
      This position is responsible for analysis and monitoring the financial condition and credit worthiness of individuals and businesses applying for credit by using historical financial analysis and cash flow projections.
      MAJOR DUTIES AND RESPONSIBILITIES (ESSENTIAL FUNCTIONS)
      1. Analyzes all relevant loan data on new, renewal and existing loans, including data provided by credit bureaus, other financial institutions, and First United's files.
      2. Prepares thorough and concise memo's, spread sheets, reports, summaries and opinions for Loan Officers on new, renewal and existing loans within established deadlines.
      3. Effectively manages the bank's exposure to identified risks, and recommends appropriate structure for transaction in accordance with First United's credit policy.
      4. Oversees and manages financial information files to assure current reports, statements, accounts receivable and other information on customer accounts, and notifies Loan Officers of any potential problems in a timely manner.
      5. Establishes, reviews and updates new and existing loan files for the Bank on a regular basis.
      6. Provides technical advice and assistance to Loan Officers.
      7. Performs credit inquiries.
      ADDITIONAL DUTIES AND RESPONSIBILITIES
      • Effectively communicates with Customers, Loan Officers, and Bank Management in a clear, accurate, and concise manner.
      • Generates solutions to problems and suggests alternative solutions when necessary.
      • Performs as a top contributor in Bank-wide projects.
      • Initiates and leads Bank-wide projects.
      • Focuses on memos for relationships ranging from $2,000,000 and greater.
      • Delivers the bank's top volumes in loan activity through new originations or management of the existing portfolio.
      • Creates and maintains solid working relationship with Loan Officers and other team members.
      • Assists training and development of Credit Analyst I & II.
      • Ability to adhere to all company policies, core values and procedures.
      • Genuine interest in learning and working in the banking profession.
      • Dresses professionally.
      • Other duties as assigned.
      EMPLOYEE SPECIFICATIONS
      To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
      Education and Work Experience
      • Bachelor's degree in Finance, Accounting or related field.
      • Minimum 5 years of credit analysis experience.
      • Possesses specific area of underwriting expertise in one or more areas of lending (e.g. CRE or C&I underwriting).
      Technical/Functional Competencies
      • Excellent financial analytical abilities, with knowledge of financial ratios.
      • Advanced Proficiency in Excel.
      • Ability to structure and underwrite larger, more complex transactions.
      • Outstanding interpersonal, technical, problem solving, and written communication skills needed for preparation of credit memos and analysis of financial statements.
      • Demonstrates initiative, judgment/discernment and self motivation to work with minimal supervision.
      • Demonstrates resourcefulness and concern for quality by understanding systems and processes and suggesting changes when necessary to increase overall efficiency.
      • Demonstrates dependability through good attendance and adherence to time lines and schedules.
      NOTE: This job description is not intended to be all-inclusive. Employee may perform other related duties as assigned by supervisor to meet the ongoing needs of the organization.
    All Locations:
    Dallas-Uptown

    If any applicant is unable to complete an application or respond to a job opening because of a disability, please email us at HR[redacted] for assistance.

    First United is an Equal Opportunity Employer. To the extent required by Federal or State law, First United does not discriminate in employment opportunities or practices on the basis of race, color, religion, sex, national origin, or any other characteristic protected by law.

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