What are the responsibilities and job description for the Credit Analyst position at Texas Gulf Bank?
General Description:
This full-time position will focus primarily on providing all loan officer staff with appropriate administrative and detailed financial analysis support required to provide sound loan package presentations while maintaining compliance within Loan Policy guidelines. Conversion of customer financial statements into standard spreadsheet form, conducting analyses, and providing the loan officers with feedback are also critical elements to this position. In addition, this position will be responsible for reviewing major credits for quality, documentation, and capacity, and grading such credits within Loan Policy/Loan Review guidelines.
Skills and Characteristics for Applicants:
The qualified individual should possess a basic knowledge of commercial, construction, real estate, and consumer loan processing, as well as a basic knowledge of related state and federal loan regulations and other bank lending policies. Excellent organizational and time management skills are essential for this position. The qualified candidate will possess strong verbal, written, and interpersonal communication skills as well as analytical abilities. Computer proficiencies should include Word and Excel, as well the ability to utilize the internet efficiently for necessary research. Previous experience using Sageworks will be beneficial as well.
Educational Requirements:
The qualified candidate should possess a minimum of a bachelor’s degree with preferred area of study in accounting, finance, and/or business, with at least twelve hours of accounting courses, as well as at least two years of related experience in credit analysis at a financial institution. The preferred candidate will have completed a formal credit training program and have prior credit analyst experience.
Texas Gulf Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, pregnancy, genetic information, disability, status as a protected veteran, or any other protected category under applicable federal, state, and local laws.