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Title

Credit Analyst II 

Description

The Credit Analyst II is primarily responsible for providing analysis to determine the degree of risk involved in extending credit to new and existing customers. The position also performs market research and monitors portfolio risk.

ESSENTIAL FUNCTIONS (Majority of duties, but not meant to be all inclusive nor prevent other duties from being assigned as necessary)

  • Responsible for preparing analysis on commercial loans that facilitates the credit approval process for use by loan officers or committees in the making of lending decisions.
  • Prepares cash flow models for the basis of credit decisions.
  • Monitors compliance with loan agreements.
  • Provides support of loan officers and managers through financial statement spreading and analysis of new loan requests and existing credit relationships.
  • Participates in deal discussion meetings between lending personnel and appropriate credit officers to preliminarily assess merits of a request.
  • Conducts annual reviews for the Bank’s largest credit relationships.
  • Ensures all departmental documents and activities are performed in compliance with applicable laws, regulations, policies and procedures as applicable to this position, including completion of required compliance training.
  • Performs other duties and responsibilities as assigned.

 

 
Position Requirements

KNOWLEDGE, SKILLS & ABILITIES (Minimum education, experience, technical and communication skill levels and licenses/certificates normally required to perform the duties of this position.)

  • Bachelor’s degree in Business related field required, with a strong preference for Finance or Accounting.
  • 2+ years’ work-related experience and/or training preferred.
  • Professional experience in financial, credit, and/or statistical analysis, with experience in underwriting commercial loans preferred.
  • Advanced analytical skills with an ability to interpret complex financial information and identify relevant risk.
  • In-depth knowledge of accounting principles with ability to prepare and analyze financial statements.
  • Advanced computer skills including Microsoft Word and Excel, with a strong emphasis on financial modeling.
  • Advanced written, oral, and interpersonal skills with ability to prepare and perform presentations.
  • Ability to work on multiple transactions simultaneously and prioritize assignments to meet deadlines.
  • Must be self-motivated with strong initiative, accountability, and attention to detail.
  • Intermediate knowledge of real estate finance.

 

WORKING CONDITIONS (Typical working conditions associated with this type of work and environmental hazards, if any, that may be encountered in performing the duties of this position.)

Internal – Work is normally performed in climate-controlled office environment, where exposure to conditions of extreme heat/cold, poor ventilation, fumes and gases is very limited. Noise level is moderate and includes sounds of normal office equipment (computers, telephones, etc.). No known environmental hazards are encountered in normal performance of job duties.

External –Occasionally work will include driving for site visits, inspections or meeting, with exposure to traffic, outside atmospheric conditions, heat/cold, or moisture.

PHYSICAL DEMANDS (The physical effort generally associated with this position)

Work involves standing and walking for brief periods of time, but most duties are performed from a seated position. There is potential for eyestrain from reading detailed printouts and computer screen.  Deadlines, workloads during peak periods and pressure may cause increased stress levels.  Work may include occasional pushing, pulling, or carrying objects weighing up to 20 pounds such as files, documents, and computer printouts. Work normally requires finger dexterity and eye-hand coordination to operate computer keyboard at an advanced skill level.

WORKING RELATIONSHIPS/CONTACTS (Positions, other than supervisor and immediate co-workers, with which incumbent has frequent contact and the reason for contact.)

Internal – Any other bank employees, as necessary to fulfill job requirements.

External – Occasional contact with borrowers, auditors, regulators, etc.

Supervision of Others – No direct supervision of others.

 
About the Organization We are a State chartered full-service community bank with eight banking locations in the North Central Texas area. We embrace the entrepreneurial spirit, conservative values and western heritage that make us truly Texan in our hearts and souls.


Ciera Bank endeavors to make www.cierabank.appone.com accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please email us at accommodations@cierabank.com. This contact information is for accommodation requests only and cannot be used to inquire about the status of applications.  
EOE Statement Ciera Bank is an equal opportunity employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status.  
Position Credit Analyst II  
Category Credit  
Location Ciera Bank -Fort Worth  
Full-Time/Part-Time Full-Time  
Shift Days  
Exempt/Non-Exempt Exempt  
Close Date  

This position is currently not accepting applications.

To search for an open position, please go to http://CieraBank.appone.com



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