What are the responsibilities and job description for the Credit Analyst I (Full Time) -Bryan/ College Station position at PROSPERITY BANK?
External Applicants: Please apply through Prosperity Bank's Career Center at https://www.prosperitybankusa.com/Careers. Applying through any other source may prevent Prosperity from receiving your application.
Internal Applicants: If you are a current associate of Prosperity Bank, please apply through the internal Talent - Career Center in ADP.
POSITION PURPOSE
Responsible for analyzing credit and financial reports to determine risk involved in loaning money or extending credit.
ESSENTIAL FUNCTIONS AND BASIC DUTIES
Spreading and analysis of commercial financial statements for prospective and existing loan customers.
Perform financial analysis and basic underwriting of loan packages for loan officers to include the following: trend, equity and ratio analysis, loan structuring, collateral analysis, guarantor analysis, and calculation of Global Debt Service Coverage.
Perform loan reviews of existing commercial loans.
Recommend credit grades based on creditworthiness of borrower and performance of the loan.
Identify documentation exceptions and evaluate underwriting.
CRE Stress Test Analysis
Review Rent Rolls, Construction Budgets, Pro Forma Statements, Feasibility Studies, run CoStar reports.
Prepare Stress Model, Projected Income Scenarios, etc.
Run background reports through LexisNexis.
Other duties as assigned.
QUALIFICATIONS
Education/Certification:
Bachelor’s degree in business administration, Accounting, or Finance with a minimum of 9 hours of accounting and/or 12 hours of finance.
REQUIRED EXPERIENCE:
Minimum one year banking experience preferred.
SKILLS/ABILITIES:
Ability to work on multiple transactions simultaneously and prioritize assignments to meet deadlines.
Strong analytical skills with an ability to interpret complex financial information and identify relevant risks.
Strong verbal and written communications skills.
Monday - Friday: 8:00am-5:00pm
40 hours
