Why Broadway Bank:

We are one of the largest independently owned banks in Texas with offerings in personal and private banking, wealth management, business banking and mortgage lending.

Purpose of Position:

Assists the Bank’s Relationship Managers/Bankers in review of complex professional and executive, commercial business and commercial real estate credits/relationships through independent commercial credit analysis and preparing written presentation (credit memorandum, credit requests and /or completion of annual reviews) for credit approvals.

Analyze and underwrite commercial credit requests with little supervision. Conducts credit investigations, spreads financial statements, and analyzes routine credit information pertaining to loans; assists in the preparation of credit information for presentation to loan officers or committees; furnishes information in relation to credit inquiries; provides assistance to loan officers as requested.

Key Accountabilities:

• Completes the required assignments as defined in the Banker Development Program [BDP]–Phase II.

• Analyzes pertinent credit and industry information collected from the various credit reporting agencies, other companies, main office files, branch personnel, RMA and the internet.

• Spreads and analyzes financial reports including but not limited to year-end financial statements, interim financial statements, accounts receivable and accounts payable agings, etc. from the loan officers, borrowers, or borrowers’ accountants.

• Determines the need for more thorough investigation or additional information.

• Participates in discussions with and/or calls to existing customers or potential customers.

• Prepares written detailed analyses, presents facts and offers opinions concerning credit-worthiness of borrowers.

• Provides credit information and references for customers, loan officers, or other agencies as requested by:

  • Ensuring that all credit files are kept current with latest financial statement, agency reports, etc.

  • Contacting all available sources of information.

  • Assembling all pertinent information and reports.

• Keeps abreast of current trends within the industry by maintaining peer relationships, attending seminars, workshops and reading industry periodicals.

• Under supervision compiles the minutes of the Officers’ and Directors’ Loan Committee Meetings.

• Attends and participates in various committee meetings.

• Assists with collateral inspections.

• Assumes additional duties and responsibilities as requested.