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 CreditOfficer, the position would be responsible for the review and decisioning ofcredit requests within defined loan authority.

Job Functions:

• Spreads financialstatements and prepares comprehensive financial analysis on the creditworthinessof the borrower and guarantors.
• Creates Pro-Formaanalysis to assess the borrower/guarantors ability to repay current andproposed debt obligations.
• Prepares writtenanalysis on large and complex lending relationships including preparation ofthe credit authorization package for SLC/DLC discussion.
• Fosters a strong working relationship with the Lenders and Portfolio Managers 
• Providesrecommendations on loan structure, loan monitoring and other lending relatedmatters
• Makesrecommendations on approval or declination of loan requests.
• Review appraisalsand environmental reports.
• Provides guidance and acts as a resource to less experienced analysts 
• Works with FIMACanalytic or other Stress testing software and prepares reports, as required
• Prepares periodicreports and studies on the loan portfolio for the benefit of Senior Managementand Directorate, as needed.
• Serves as aback-up for the Senior Credit Officer
• Perform othertasks and assist in projects as needed.

Position Requirements:

• Bachelor’s Degreein Accounting or Finance is required.Advanced degree is preferable.
• Formal Bank Commercial Credit training 
• Minimum of 6years of Commercial/CRE lending/credit experience with 5 years dedicated tocommercial credit underwriting with increasing levels of responsibility.
• Knowledgeable of MSOffice Suite programs, credit analysis software and core operating systems
• Knowledgeable infinancial institution operating policies and procedures and banking regulationsstate and federal.

Key Qualifications:

• Demonstratedskill in analysis and interpretation of business and individual financialstatements, tax returns, and cash flows.
• Thorough understandingof commercial real estate project analysis, real estate appraisal reviews andenvironmental evaluation reviews.
• Ability to defineproblems, aggregate facts, draw valid conclusions and provide recommendationsfor resolution.
• Working knowledgeof all applicable Bank products and services.
• Excellent problem-solving skills 
• Detail oriented, goodorganizational, interpersonal, communications and writing skills.