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Senior Credit Analyst
Senior Credit AnalystThe Adam Corporation Group • College Station, TX, United States
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Senior Credit Analyst

Senior Credit Analyst

The Adam Corporation Group • College Station, TX, United States
[job_card.30_days_ago]
[job_preview.job_type]
  • [job_card.full_time]
[job_card.job_description]

Senior Credit Analyst

Location : College Station, TX

Summary : Prepares written in-depth credit analysis and underwriting for complex Commercial Real Estate and Commercial & Industrial loans. Under the direction of the Senior Credit Officer, the position would be responsible for the review and decisioning of credit requests within defined loan authority.

Job Functions :

  • Spreads financial statements and prepares comprehensive financial analysis on the creditworthiness of the borrower and guarantors.
  • Creates Pro-Forma analysis to assess the borrower / guarantors ability to repay current and proposed debt obligations.
  • Prepares written analysis on large and complex lending relationships including preparation of the credit authorization package for SLC / DLC discussion.
  • Fosters a strong working relationship with the Lenders and Portfolio Managers
  • Provides recommendations on loan structure, loan monitoring and other lending related matters
  • Makes recommendations on approval or declination of loan requests.
  • Review appraisals and environmental reports.
  • Provides guidance and acts as a resource to less experienced analysts
  • Works with FIMAC analytic or other Stress testing software and prepares reports, as required
  • Prepares periodic reports and studies on the loan portfolio for the benefit of Senior Management and Directorate, as needed.
  • Serves as a back-up for the Senior Credit Officer
  • Perform other tasks and assist in projects as needed.

Position Requirements :

  • Bachelor's Degree in Accounting or Finance is required. Advanced degree is preferable.
  • Formal Bank Commercial Credit training
  • Minimum of 6 years of Commercial / CRE lending / credit experience with 5+ years dedicated to commercial credit underwriting with increasing levels of responsibility.
  • Knowledgeable of MS Office Suite programs, credit analysis software and core operating systems
  • Knowledgeable in financial institution operating policies and procedures and banking regulations state and federal.
  • Key Qualifications :

  • Demonstrated skill in analysis and interpretation of business and individual financial statements, tax returns, and cash flows.
  • Thorough understanding of commercial real estate project analysis, real estate appraisal reviews and environmental evaluation reviews.
  • Ability to define problems, aggregate facts, draw valid conclusions and provide recommendations for resolution.
  • Working knowledge of all applicable Bank products and services.
  • Excellent problem-solving skills
  • Detail oriented, good organizational, interpersonal, communications and writing skills.
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    Senior Credit Analyst • College Station, TX, United States

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