Credit Analyst

The Credit Analyst with PlainsCapital Bank provides full support to the Commercial Lending Officers and is primarily responsible for underwriting financial transactions involving working capital, equipment, real estate and small company acquisitions. In addition, the credit analyst ensures that proper credit/collateral documentation is obtained, identifies any deviations to loan policy, participates in loan closings and assists in the ongoing monitoring of credits.

• Analyzes financial statements (including performance ratios) of all levels of quality to develop initial assessment by identifying strengths and weaknesses as pertaining to borrower’s historical operating performance.
• Prepares written analyses which include:
  • credit investigation of the borrower and guarantors;
  • economic and market conditions as they relate to the company, industry, and market area;
  • in-depth historical and projected financial/cash flow analysis, including communicating with the borrower’s accountant to gain a better understanding of the company’s accounting practices;
  • in-depth analysis of the secondary sources of repayment such as collateral;
  • in-depth analysis of a guarantor’s financial position
  • identifies borrower’s strengths and weaknesses
• Collects and maintains industry data; researches industry specific information from outside sources, including conversations with the borrower, industry publications, references from other banks, credit agencies, as well as accessing information through the internet.
• Attends weekly Loan Committee meetings and is available to answer questions regarding credit analysis as necessary; often presents the loan request to the committee.
• Participates in customer meetings as requested by officers (may require travel at times).
• Performs real estate appraisal reviews for lenders in all regions.
• Processes and establishes accountability pertaining to Commercial Loan Agreement requirements/covenants.
• Monitors periodic inspections pertaining to real estate construction projects – loan advances versus project completion.
• Other duties as required.

• Bachelor’s degree in Business related field required. Strong preference for Finance or Accounting major or concentration.
• Professional experience in financial, credit, or statistical analysis, and/or statement spreading and assessing companies through internships, part-time or full-time work, and/or extracurricular activities preferred.
• Excellent verbal, written and interpersonal communication skills.
• Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems.
• Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment.
• Must be self-motivated with strong initiative, accountability, and attention to detail.

The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company.