Job Description
Are you a detail-oriented financial professional looking for a rewarding career in Laredo, Texas? We are seeking a highly skilled Credit Analyst to join our dynamic team. In this pivotal role, you will assess the creditworthiness of borrowers and ensure our portfolio remains healthy and profitable.
Why Join Us?
- Sign-On Bonus: We are offering a competitive sign-on bonus of up to $5,000 for qualified candidates to celebrate your new start.
- Career Growth: Extensive training programs and clear pathways for advancement within the organization.
- Modern Environment: Work in a state-of-the-art facility with a supportive and collaborative culture.
We are looking for an individual who thrives in a fast-paced setting and has a keen eye for data analysis. If you are ready to take your finance career to the next level, apply today.
Responsibilities
- Conduct comprehensive credit risk assessments for new and existing commercial and consumer clients.
- Analyze financial statements, tax returns, cash flow projections, and collateral values to determine credit limits.
- Develop and maintain credit scoring models and internal underwriting guidelines.
- Prepare and present detailed credit memos and recommendations to the Credit Committee.
- Monitor portfolio performance and identify emerging risks or delinquencies early.
- Collaborate with loan officers and relationship managers to resolve complex credit issues.
- Ensure compliance with all federal, state, and internal banking regulations.
Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, or a related field.
- Minimum of 2-3 years of experience in credit analysis, commercial lending, or a similar financial role.
- Strong proficiency in Microsoft Excel (VLOOKUP, Pivot Tables) and financial modeling software.
- Excellent analytical, problem-solving, and decision-making skills.
- Effective written and verbal communication skills to present complex data clearly.
- Ability to work independently and meet tight deadlines in a high-volume environment.