Bank Credit Analyst (Part-time)

Cornerstone Capital Bancorp, Inc., headquartered in Houston, is a Texas-based financial services company dedicated to helping families, businesses, and communities thrive. Through its primary subsidiary, Cornerstone Capital Bank, the organization operates a community and business banking franchise alongside a premier national home lending, servicing, and home insurance platform-based financial services company dedicated to helping families, businesses, and communities thrive.

Guided by a core Mission, Vision and Convictions statement, Cornerstone operates 17 full-service banking locations across major Texas markets and more than 150 mortgage offices nationwide.  The company has served nearly 700,000 customers through its family of brands, including Cornerstone Home Lending, Roscoe Bank, Peoples Bank, Cornerstone Servicing, and Cornerstone Insurance. Supported by 1,600 team members, Cornerstone is consistently recognized as a Fortune-certified Great Place to Work® and a Top Workplace.  

Formed through the combination of Cornerstone Home Lending and The Roscoe State Bank, Cornerstone brings more than a century of experience and is the highest-capitalized new bank in Texas history.

We honor God by using our talents to make a positive difference in the lives of our Team Members, Clients, Shareholders, Communities, and the People who provide services to us.

Who we are looking for:
            The Credit Analyst will evaluate the financial condition of individuals and businesses applying for lending credit with the financial institution to determine the risk involved.

What you’ll do:

• Analyze credit data and financial statements of individuals or businesses to identify the degree of risk involved in lending money or extending credit
• Compare financial data to similar businesses in terms of liquidity, profitability and credit histories
• Compile information, complete loan applications, and compose reports detailing the degree of risk involved in the loan or credit request and make recommendations
• Ensure loan requests are prioritized and deadlines are consistently met
• Prepare and present credit reports
• Provide accurate information and sound judgment on the credit worthiness of assigned accounts
• Ensure all loans are made in adherence with federal, state and local financial regulations
• Participates in community activities to promote the organization
• Represent the bank in a professional manner during and outside of office hours
• Demonstrate flexibility to perform every other duty as assigned

What you’ll need to be successful: 

Success in this job relies on your time management skills, organization, and positive attitude.  In addition, you’ll need the following qualifications:

• Demonstrate ethical character and judgement with attention to respect, commitment, integrity, values and confidential boundaries
• Ability to remain calm and focused in stressful situations
• Must be a self-starter and able to work independently possessing good effective time management skills and ability to organize and prioritize
• Highly reliable with the ability to maintain regular attendance and punctuality
• Sensitivity to confidential information is required
• Superb communication and interpersonal skills
• Must be analytical and have creative thinking
• Must be approachable and present a positive attitude
• Impeccable attention to detail
• Represent the bank in a professional manner during and outside of office hours
• Bachelor’s Degree in related field or equivalent work experience
• 1+ years of progressive credit experience

What we offer:

Because we recognize and reward hard work, we offer a competitive salary, a full benefits package, and the potential for a performance-based bonus. 

What to do next: If Cornerstone sounds like the place for you (and if you have the qualifications, drive, and passion to match), we invite you to become a member of our winning team! And remember, once you're part of our Cornerstone family, we'll continue to invest in you as a valuable asset in our company. As many of our team members can tell you, there's something special about working at Cornerstone.