Credit Analyst II (21-132)

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    "requisitionDescription": "<div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><link href=\"https://cdn.jsdelivr.net/npm/[email protected]/css/froala_editor.pkgd.min.css\" rel=\"stylesheet\" type=\"text/css\"> <link href=\"https://cdn.jsdelivr.net/npm/[email protected]/css/froala_style.min.css\" rel=\"stylesheet\" type=\"text/css\"><div><p style=\"text-align: center; margin-left: 40px;\"><strong><span style=\"font-size: 24px;\">&nbsp; &nbsp;</span><span style=\"font-size: 30px;\">Credit Analyst II</span></strong></p><p style=\"text-align: center; margin-left: 40px;\"><strong><span style=\"font-size: 16px;\">Location: Midland, TX</span></strong></p><p style=\"text-align: center; margin-left: 40px;\"><br></p><p style=\"text-align: left;\"><strong>Summary:</strong> Prepares written in-depth credit analysis for Commercial and Industrial and Commercial Real Estate loans by underwriting the basics of commercial credit worthiness and identifying and analyzing sources of payment. &nbsp;</p><p><strong>Job Functions:</strong></p><ul><li>Interprets financial data, financial condition and level of risk related to various types of borrowing entities and individuals including financial statement analysis, collateral evaluations, trend analysis ratio and industry analysis.</li><li>Creates cash flow schedules based on personal and business tax returns and/or financial statements.</li><li>Reviews and spreads financial statements and prepares comprehensive financial analysis on the creditworthiness of the borrower.</li><li>Creates Pro-Forma analysis to assess the company&rsquo;s/individual&rsquo;s ability to repay current and proposal debt obligations based on the perceived level of risk determined in the analysis.</li><li>Makes recommendations on approval or declination of loan requests.</li><li>Provides commercial loan officers with a loan policy resource.</li><li>Review appraisals and environmental reports.</li><li>Support the loan approval process through credit authorization preparation and distribution. &nbsp;Provide documentation of committee approvals and requirements.</li><li>May perform other tasks and assist in projects as needed.</li></ul><p><strong>Position Requirements:</strong></p><ul><li>Bachelor&rsquo;s Degree in Business, Finance, Accounting or related discipline.</li><li>Formal Bank Commercial Credit training or equivalent classes offered by third party providers (RMA, ABA, banking assns, etc.).</li><li>3+ years banking/credit experience with 2+ years credit analysis experience in commercial banking. &nbsp;Lending background preferred.</li><li>Knowledgeable of computer systems including word processing, databases, and Excel.</li><li>Experience with credit analysis software. &nbsp;</li><li>Knowledgeable in financial institution operating policies and procedures and banking regulations state and federal.</li></ul><p>&nbsp;<strong>Key Qualifications:</strong></p><ul><li>Demonstrated skill in analysis of business and individual financial statements, tax returns, and cash flows.</li><li>Understanding of commercial real estate project analysis, real estate appraisal reviews and property environmental evaluation reviews.</li><li>Working knowledge of all applicable Bank products and services.</li><li>Excellent problem-solving skills and good process-facilitating.</li><li>Detail oriented, good organizational, interpersonal, communications and writing skills.</li></ul></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div>\n",
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