Credit Analyst

 ^{Be Proud. Be You. Be Independent!}  

Are you an experienced Credit Analyst, Accountant, or even CPA looking to advance in your career? If so, we need you!

At Independent Bank we promote a culture that encourages professional growth and embraces the collective sum of your individual differences, life experiences, knowledge, innovation, self-expression, unique capabilities and talent. We value diversity of thought, ideas, and background. Our inclusive and collaborative culture helps us find the best solutions to meet the needs of our clients and company. 

About the Job:

Independent Bank is on the lookout for a diligent Commercial Loan Credit Analyst to join our thriving team. Reporting to the VP/FVP Commercial Credit Officer, your primary role will be to perform comprehensive commercial loan credit analysis. You'll prepare detailed credit analyses and loan proposals, spread financial statements, and conduct thorough credit reviews. Your keen analytical skills will help determine cash flow, debt service ability, balance sheet strength, and collateral coverage. You'll review loan structures, assign credit risk ratings, and join officers on customer calls. Additionally, you'll assist in compiling monthly, quarterly, and annual financial reports.

Help to inspire financial independence today, with tomorrow in mind at Independent Bank!

Why You Should Apply:

• Comprehensive total rewards package.
• A knowledgeable, goal-driven, and exciting team of colleagues.
• Exposure to different areas of banking and the ability to work with leaders within the industry.
• Community-focused events and volunteer opportunities.

What You Will Do: 

• Spreading financial statements for borrowers, co-borrowers, guarantors, and others as requested;
• Performing and reviewing credit inquiries;
• Using independent judgment to analyze financial information in order to determine:
  • Sufficiency of cash flow;
  • Debt service ability;
  • Collateral adequacy; and
  • Borrower risk rating.
• Reviewing/recommending loan structures consistent with bank policies and guidelines;
• Preparing credit analysis and loan proposals that assist in the prudent granting of credit;
• Performing trend analysis on financial reports of borrowers to evaluate their ongoing credit-worthiness;
• Accompanying lenders on customer contact calls;
• Performs other related duties as assigned.

Knowledge, Skills, and Abilities:

• Bachelor’s degree in Accounting, Business, Finance or equivalent years of working experience.
• 2 years commercial credit analyst experience preferred.
• Excellent interpersonal, presentation and communication skills.
• Must be conversant with (at least) intermediate level accounting (cash/accrual basis, cost, and contractor), lending experience helpful.

                                                                                                                          Be Proud. Be YOU. Be Independent!