• Senior Credit Analyst

    Job ID
    2018-2929
    Location
    Tanglewood
    Type
    Full-Time
    Address
    750 Bering Drive
    # of Openings
    1
    City, State
    US-TX-Houston
  • Overview

    WHY INDEPENDENT BANK IS A GREAT PLACE TO WORK:

     

    Footprint
    Established, respected, and growing in Texas and Colorado.

     

    People
    Building thriving relationships and leading with a courageous heart.

     

    Benefits
    Generous 401 (k) plan, paid time off, health benefits, employee programs, and a satisfying work-life balance.

     

    Growth
    Financial stability providing competitive salaries, internal growth opportunities, and a business strategy of continuous growth.

     

    Community
    Volunteering and making a lasting impact, building strong, healthy communities.

     

    Overview

    Responsible for quantitative and qualitative analysis of financial information to 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
    • Coordinate the preparation of various monthly reports for presentation to senior management
    • Assist with the monitoring of loan performance in the bank’s portfolio
    • Other job related duties as assigned by the Credit Administration Manager.

                                          

    Qualifications

     

    • Bachelor’s degree in business related major and at least two accounting courses or relevant experience
    • 2+ years banking credit analyst experience required, formal bank credit training preferred
    • Commercial real estate cash flow analysis experience preferred
    • Proficiency in Microsoft Word and Excel is required
    • Familiar with standard concepts, practices, and procedures within banking
    • Possesses the ability to communicate at a high level both verbally and in writing
    • Motivated self-starter and an active learner.
    • 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.

    Independent Bank is a host to diverse group of professionals; offering careers in lending, finance, management, marketing, technology and much more. We welcome talented and capable people with a heart for community service, strong personal values and integrity to join our team.

     

    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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