Senior Credit Analyst

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 :

Key Qualifications :