• Credit Analyst I

    Job ID
    2018-2811
    Location
    Tanglewood
    Type
    Full-Time
    Address
    750 Bering Drive
    # of Openings
    1
    City, State
    US-TX-Houston
  • Overview

    Independent Bank provides a wide range of commercial and consumer banking solutions powered by people who value lasting relationships and commitment to community. We are founded on the belief that we have a deep responsibility to solve problems and build healthy communities. Our unique brand of banking is delivered by dedicated employees, who share an honest desire to make a lasting and positive impact. Come join us!

     

     

    The primary purpose of this position is to analyze financial information and assess the risk of offering credit to businesses and individuals.

    Responsibilities

    • Prepare written credit-approval packages for approval presentation
    • Research, examine, and quantify the degree of credit risk involved in a credit
    • Evaluate customer records and recommended payment plans based on submitted financial data
    • Generate financial ratios, using computer programs, to evaluate a customers’ financial capacity
    • Analyze financial data such as income growth, quality of management and market share of customers
    • Prepare various monthly reports for presentation to senior management
    • Perform other job related duties as assigned

    Qualifications

    • Bachelor’s degree in business related major with at least two accounting courses
    • 1+ years banking credit analyst experience a plus
    • Commercial real estate cash flow analysis experience, preferred
    • Strong analytical ability
    • Proficiency in Microsoft Word and Excel is required
    • Possesses the ability to communicate at a high level both verbally and in writing
    • Motivated self-starter and an active learner
    • Careful attention to detail and time management skills are essential
    • Demonstrate a high level of knowledge of Bank Secrecy Act and OFAC related responsibilities in the performance of daily operations to ensure adherence to bank policies and compliance with all regulatory requirements.   

    A STANDARD OF EXCELLENCE (Georgia 10pt Font) < Justify
    Our unique brand of banking extends from the Gulf Coast of Texas to the Rocky Mountains. We are an $8 billion dollar community-centric institution providing a wide range of relationship-driven commercial banking products and services tailored to meet the needs of businesses, professional organizations, community groups and entrepreneurs. We also offer a full line of personal financial products and services to make banking easy for busy families and individuals.

    OUR CORE VALUES

    Principled financial decisions ~ Building strong, healthy communities ~ Leading with a courageous heart ~ Resilient Solutions ~ Thriving relationships

    The Bank provides capital and guidance to foster growth, bring new ideas to life, and energize local businesses. We accomplish these goals by funding projects such as medical facilities, warehouse space, and hospitality and education venues. By developing strong relationships and a deep understanding of your industry, our team offers a proactive approach to business banking.

    We continue to be named Best Bank within many of the communities we serve. Recently, Independent Bank was named a Community Bankers Cup winner for the fifth consecutive year; a Top 75 Producing Lender Nationwide; a Top 50 Performer by the Dallas Business Journal; and one of the Healthiest Employers in both North Texas and Central Texas.

    The Bank builds community on two fronts: by helping create economic development and by partnering within the community. It all begins by empowering our employees. We encourage our people to follow their passion and volunteer. And we back that up through formal giving programs.

    OUR MISSION

    To make an impact on the communities we serve through high-performance, purpose-driven banking.

     

     

    To be considered for this position, you must at least meet the basic qualifications.

     

    No phone calls or direct e-mails please.

     

    Pre-employment background screening will be conducted.

     

    Independent Bank is an EEO/AA - M/F/Disability/Protected Veteran Status.

     

    Note: The job description does not constitute an employment agreement between the employer and employee. The above statements describe the general nature and level of work being performed within this classification. It is not designed to contain or be interpreted as a comprehensive list of all duties, responsibilities, and qualifications required of employees assigned to this job. If you require assistance at any stage of the employment application process due to a disability, please contact Human Resources at 214-544-4777.

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