Credit Analyst

About this role

• We are looking for a professional Credit analyst to determine our customers' creditworthiness.
• **SUMMARY:**To provide back up management and training support to the Senior Credit Analyst for a group of Credit Analysts ***as well as*** perform the duties of a Credit Analyst in pre-determining the quality of prospective loans, to spot loans which may become problem loans, and to evaluate the quality of the overall loan portfolio.
• **ESSENTIAL DUTIES AND RESPONSIBILITIES****:** Includes the following: Other duties may be assigned.
• Employee is responsible to understand and comply with regulatory requirements for financial transactions, most specifically Bank Secrecy Act (BSA) and Customer Identification Program (CIP) as it relates to specific job functions.
• Exhibits superior customer service as an Austin Bank team member.
• Demonstrates high quality relationship building techniques to ensure the customer receives the best possible solution to his banking and financial needs.
• Helps promote a loyal relationship between the customer and Austin bank.
• Participates in developing a teamwork atmosphere with co-workers as part of department/branch location by attending meetings, participating in discussions, treating co-workers with respect and courtesy, and contributing to departmental goals.
• Has a responsibility to stay abreast of company communications by reading publications, announcements and company e-mails, etc.
• Takes advantage of appropriate communication channels regarding bank related business matters.
• Develop personal skills and capabilities through on-going training, as provided by the company or elsewhere subject to Company approval.
• Uphold and safeguard the organizations values particularly relating to ethics, integrity, and confidentiality both internally and externally Greets customers and provides superior customer service.
• Credit Analyst with review of analysts' work, including complete loan packages, spreads, cash flows, etc.
• Credit Analyst with training of new analysts including the use of internal software programs, analytical skills, and package preparation.
• Assist with preparation and implementation of new analysis techniques and procedures as required including creating spreadsheets, reviewing/analyzing software and other analytical information options.
• Prepares Credit Analysis which includes analysis of borrower and guarantor financial statements, cash flows, company history, competition, industry/market, borrowing relationship, etc.
• Analysis may be for approval, recommendation, or annual review.
• The following is a list of responsibilities that are a part of the analysis process: - Reviews the credit file and any information from the loan officer.
• - Prepares financial statement spreads, cash flows, Loan Memo and detailed Credit Analysis which includes an analysis of the company and individuals financial statements and cash flows.
• - Develops list of questions and information needs for loan officer after review of file and information received.
• - Pulls and analyzes credit reports on individuals.
• - Pulls and analyzes Experian reports on companies.
• - Researches industry information and RMA comparisons.
• - Reviews credit files, loan agreements, and loan policy for compliance.
• - Prepares profitability model.
• - Sends completed package to Credit Officer and/or Loan Officer for review.
• - Distributes loan package to Committee Members upon completion of changes from Credit Officer/Loan Officer.
• Orders Appraisals Attends Loan Committee meetings.
• Accompanies loan officers on customer calls.

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