Credit Analyst

San Antonio, TX

Performs credit analysis function for ongoing commercial loan portfolio management process and identifies risks related to each credit relationship. Analyses include business/personal/global cash flow analysis, income/expense analysis, balance sheet analysis, collateral analysis and market/industry analysis.

Essential Job Functions:

  • Inputs financial and tax data on loan origination software/spreadsheets.
  • Performs credit analysis function for new commercial loan requests and commercial loan renewals/modifications/annual reviews (including borrower(s) financial statement/tax return analysis, guarantor(s) financial statement/tax return analysis, collateral valuation analysis, market/industry analysis).
  • Identifies risks related to borrower operations, industry/sector, collateral, etc. and communicates with respective Relationship Manager and Market Credit Officer.
  • Ensures that corporate credit policies and procedures are maintained in compliance with all established and published commercial banking policies/guidelines and regulatory statutes.
  • Provides customer service to current and prospective borrowers, researches borrower needs, answers questions, conducts routine research and solves routine problems. May attend client meetings as requested.
  • Complies with bank procedures and follows operational and security guidelines.
  • Maintains customer confidence and protects operations by keeping information confidential.
  • Assists in maintaining loan files and creates specialized ad-hoc reports as requested.