Closing Date
12/31/2021
Company
Third Coast Bank ssb
Location
San Antonio, TX
Position
Credit Analyst II
Job Description
Position Summary:

The Credit Analyst II is responsible for gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for diversified types of loans; assists loan officers in writing loan requests; promotes business for the Bank by maintaining good customer relations with existing and potential borrowers.


Essential Functions:
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Insure loan packages are complete according to bank policy.
Input and analyze financial statements, tax returns, and credit bureaus
Determine business and global cash flow of commercial borrowers, and individual cash flow of consumer borrowers.
Establish and track loan reporting covenants for compliance, as well as imaging various types of financial statements required by said covenants.
Perform analysis on diverse types of collateral.
Assist lenders in determining appropriate loan structures.
Partner with lenders in completing credit memorandums for various requests.
Collaborate with lenders and senior credit officers to complete annual reviews on large borrowers.
Assist Chief Credit Officer with regulatory compliance.
Various other duties and projects as assigned.
Treats people with respect; keeps commitments; Inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
Follows policies and procedures; completes administrative tasks correctly and on time; supports the Bank’s goals and values; benefits the bank through outside activities.
Performs all other duties as assigned.
Requirements
Bachelor’s degree from an accredited 4 year college or university; and more than or equal to two (2) years of credit analyst experience in a financial institution. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related, with emphasis on finance, economics, or accounting.
Intermediate experience, knowledge and training in credit analyst activities and terminology.
Basic knowledge of related state and federal banking compliance regulations, and other Bank operational policies.
Intermediate skills in computer terminal and personal computer operation; mainframe computer system; and word processing, spreadsheet and account opening software programs.
Intermediate skills in computer terminal and personal computer operation, with advanced use of Excel.
Advanced math skills, including time value of money calculations.
Effective verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions, interpret documents, understand procedures, write reports and correspondence, and speak clearly to customers and employees.
Ability to deal with difficult problems involving multiple facets and variables in non-standardized situations.
Effective organizational and time management skills.
Ability to work independently.
Current driver’s license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities