Credit Risk Analyst I

Description

Are you looking for a long-term career that is service-oriented, where you can provide support and exceptional service in a professional work environment? If you are cooperative, disciplined, detail-oriented, and consistently strive to achieve goals efficiently, then our Credit Risk Analyst position could be a perfect fit for you!

We are currently seeking qualified applicants to join our team as a Credit Risk Analyst at our 50th Street Banking Center in Lubbock, TX.  This schedule would be 8:00am - 5:00pm M-F. 

Primary Job Functions:   

1. Assist in the preparation of the Bank for exams/audits. Coordinate with regulatory agency examiners and independent auditors during examinations. Recommend corrective action as necessary.  Review and implement recommendations.
2. Review loan requests to determine their adherence to Bank policy.
3. Review credits to determine the quality of loans regarding current economic conditions trends in financial condition of the borrower, and value of collateral.
4. Attend monthly meetings and prepare reports for the Director’s Loan Review Committee concerning the bank's current assessment of risk within the bank.

About Us:

At ABC Bank, we are committed to Growing Relationships, Simplifying the Process, and Doing the Right Thing in everything we do.

We believe that building strong, long-term relationships with our customers, employees, and community is at the heart of every success. Our approach is centered around understanding the unique needs of those we serve, fostering trust, and providing personalized solutions. By focusing on the human side of business, we create connections that last and continue Growing Relationships.

We also understand that navigating the world of finance can be complex. That’s why we are dedicated to Simplifying the Process for our customers. We aim to make every interaction clear and straightforward, breaking down barriers and making financial decisions easier to understand and execute.

At the core of our company is a commitment to Doing the Right Thing—always. Whether it's in our relationships with customers, the services we provide, or the decisions we make, we prioritize integrity and ethical practices. We hold ourselves to the highest standards, ensuring that every choice we make reflects our values and the trust our customers place in us.

Join us and be part of a team that is driven by these values—where growth, simplicity, and integrity define our path forward.

Why Join Us?

• A dynamic and supportive team environment
• Opportunities for growth and career development
• Competitive compensation and benefits package

Essential Job Functions:

• Assist in the preparation of the Bank for exams/audits. Coordinate with regulatory agency examiners and independent auditors during examinations. Recommend corrective action as necessary.  Review and implement recommendations.
• Review loan requests to determine their adherence to Bank policy.
• Review credits to determine the quality of loans regarding current economic conditions, trends in financial condition of the borrower, and value of collateral.
• Attend monthly meetings and prepare reports for the Director’s Loan Review Committee concerning the bank's current assessment of risk within the bank.
• Other projects / duties as assigned by management.
• Comply with all federal, state, and bank policies, procedures, laws, and regulations.
• Adhere to all relevant security responsibilities as outlined in the Bank's Information Security Program and Written Security Program.
• Assist in preparing ACL calculations monthly.
• Assist in reviewing Problem Asset Reports quarterly.
• Locate and monitor overdue accounts.
• Assist in arranging for debt repayment or establish repayment schedules, based on customers' financial situations.
• Record information about financial status of customers and status of collection efforts.
• Receive payments and post amounts paid to customer accounts.

Benefits: 

We offer a competitive salary and excellent benefit packages. Benefits vary based on employment status and position but can include: 

• Medical, Dental, Vision, Telemedicine
• Paid Time off, Paid Volunteer Time, and Paid Holidays
• Flexible Spending Account, Dependent Care FSA
• Basic Life and AD&D Insurance, Voluntary Life and AD&D
• Long-Term Disability
• 401k Retirement Plan
• Recruiting Referral Bonus
• Employee Stock Ownership Plan
• Lifestyle Spending Account Program

If you are eager to make a difference and contribute to the financial success of others, we encourage you to apply and be a part of our ABC Bank Family!

Requirements

Work Context:

1. Requires telephone conversations.

2. Requires use of electronic mail.

3. Requires writing letters and memos.

4. Requires face-to-face discussions with individuals or teams.

5. Requires contact with others (face-to-face, by telephone or otherwise).

6. Includes conflict situations.

7. Requires making decisions that affect other people, the financial resources and/or the image

of the organization.

8. Requires making decisions that impact the results of co-workers, clients or the Bank.

9. Freedom to determine tasks, priorities and goals.

10. Requires being exact or highly accurate.

11. Requires meeting strict deadlines.

12. Requires work with others in a group or team.

13. Requires coordinating or leading others in accomplishing work activities.

14. Includes responsibility for work outcomes and results.

15. Requires meeting goals set by supervisor / management.

16. Requires compliance with all federal, state, and Bank policies, procedures, laws and 

regulations.

Work Activities:

1. Analyzing data or information.

2. Making decisions and problem solving.

3. Communicating with persons outside the Bank.

4. Communicating with Management, Peers and Subordinates.

5. Training others.

6. Organizing, planning and prioritizing work.

7. Evaluate information to determine compliance with standards.

8. Coordinate the work and activity of others.

9. Use inventory control procedures.

10. Confer with other departmental heads to coordinate activities.

11. Evaluate performance of employees.

12. Develop and establish policies, procedures, methods and standards.

13. Attend and complete training as required for compliance and information security

competency.

14. Other duties as assigned by supervisor / management.

Required Skills:

1. Active Learning; understanding the implications of new information for both current and

future problem-solving and decision-making.

2. Active Listening

3. Critical Thinking; using logic and reasoning to identify the strengths and weaknesses of 

alternative approaches to problems.

4. Speaking; talking to others to convey information effectively.

5. Writing; communicating effectively in writing as appropriate for the needs of the audience.

6. Instructing; teaching others how to do something

7. Persuasion; persuading others to change their minds or behavior

8. Service Orientation; actively looking for ways to help people.

9. Computer Skills; windows, excel, internal bank programs, etc.

Required Knowledge:

1. Loan Review Knowledge - understanding of concepts and terminology related to credit approval and ongoing loan performance.

2. Bank Risk Management Knowledge

3. Administration and Management

4. Customer Service; knowledge of principles and processes for providing internal and external service.

5. Knowledge of ABC Bank's Products and Services.

6. Knowledge of ABC Bank's Policies and Procedures.

Education:

Bachelor’s degree in Finance or Accounting required or equivalent experience (minimum of four years banking experience with increasing job responsibilities, preferably with credit experience).

EEO/AA/Background Disclaimer: 

If you are unable to submit your application electronically, you may contact the Human Resources Department at 806-775-5000 so that we may assist you. Our Company assures that all applicants for employment and all of its employees are given equal consideration based solely on job related factors, such as qualifications, performance and availability. Such equal consideration applies to all personnel actions, including, but not limited to, recruitment, selection, appointment, job assignment, training, promotion, merit increases, demotion, termination, pay rates and fringe benefits.

The company commits to a rigorous and planned effort to encourage men and women of every race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other non-job-related characteristic to find happy, vital and productive job fulfillment at all levels of our company.

Qualified applicants will be required to have a drug screen in addition to background, credit, and reference checks.