What are the responsibilities and job description for the Credit Analyst position at Citizens National Bank at Brownwood?
Essential Functions:
Citizens National Bank at Brownwood, is in search of an experienced credit analyst to join the CNB family. Locally owned Community Bank in Central Texas, willing to work right alongside with experience lenders.
Duties and Responsibilities:
The Credit Analyst is responsible for determining the creditworthiness of potential clients based on financial statements, borrowing history and market conditions. The analyst will review and analyze current credit data and financial statement to identify and assess credit risk. This position will assist in spreading financial statements, developing global cash flows, reviewing credit reports, historical payment performance and preparing periodic loan reviews and credit recommendations. The Credit Analyst will provide quality service to all customers.
Work directly with Loan Officers to request necessary financial information for analysis such as balance sheets, tax returns, and financial statements.
Determine the strength and/or weakness of the client’s credit to determine the terms of the loan.
Run reports that show past or current maturities and request necessary information.
Prepare underwriting/credit memos after collecting all financial information and circulating memos for approvals from appropriate parties.
Generate/compile various monthly reports including but not limited to past due loans, maturing loans, collateral exception reports, outstanding appraisal fees, loan type summaries, and internal credit administration reporting.
Generate/compile the board report and various ad hoc reports as requested.
Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies.
Minimum Qualifications:
Bachelor’s degree in Finance, Accounting or related field.
Minimum two (2) years’ experience in financial analysis, banking or related field.
Excellent written and verbal communication skills.
Experience using Microsoft Outlook, Word, and Excel.
Experience in a position requiring attention to detail and data analysis.
Excellent organizational skills and ability to multi-task.
Ability to work independently with little supervision.
Working knowledge of collateral instruments (i.e. letter of credit, UCC filings, and personal/corporate guarantees).
Compensation and Benefits:
Pay $40,000.00 to $65,000.00 per year.
Benefits Package Offers:
Health Insurance - Paid Holidays
Vacation Leave - Dental, Vision, Life, and Disability
Paid sick leave - 401K & Profit Sharing
Job Type: Full-time
Pay: $40,000.00 - $65,000.00 per year
Benefits:
- 401(k)
- Dental insurance
- Health insurance
- Life insurance
- Paid time off
- Profit sharing
- Vision insurance
Schedule:
- Monday to Friday
Ability to Commute:
- Brownwood, TX 76801 (Required)
Ability to Relocate:
- Brownwood, TX 76801: Relocate before starting work (Required)
Work Location: In person
Salary : $40,000 - $65,000
