Commercial Credit Analyst jobs in Austin, TX
Commercial Credit Analyst collects, reviews, and analyzes data to prepare a detailed credit analysis that evaluates the terms and creditworthiness of commercial loan applications. Uses multiple sources of information, including financial statements, collateral appraisals, credit scores, and cash flow analysis, to assign risk ratings to loans and complete an analysis of the applicant's financial status. Being a Commercial Credit Analyst calculates debt-to-income (DTI) ratios to evaluate an applicant's ability to repay the loan. Prepares credit memos in a standardized format that includes key ratios, supporting information, an executive summary, and objective recommendations. Additionally, Commercial Credit Analyst presents credit reports to loan officers and loan committees. Requires a bachelor's degree. Typically reports to a supervisor or manager. The Commercial Credit Analyst work is closely managed. Works on projects/matters of limited complexity in a support role. To be a Commercial Credit Analyst typically requires 0-2 years of related experience. (Copyright 2024 Salary.com)
Recently Added Commercial Credit Analyst jobs
Credit Analyst
- Horizon Bank
-
Austin, TX
FULL_TIME
-
POSITION SUMMARY
Horizon Bank has an immediate opening for a Credit Analyst at our downtown Austin location. We are searching for banking professionals who are self-motivated and have a great attitude to join our team. This position will become an integral part of our credit team and will work hand-in-hand with their peers and Credit Analyst Manager on all manners of customer credit concerns and needs for the Bank.
The credit analyst is responsible for performing financial statement spreading, underwriting, and credit analysis to support the lending team. Success in this role requires attention to detail, a positive can-do attitude, a learning mindset, reliability, and a strong work ethic.
We are currently searching for high-potential people to join our team at our downtown Austin offices. This position is required to be in the office.
WHY HORIZON?We’re not just your ordinary bank - we have something special here at Horizon. Our charter dates back to 1905, giving us over a century of experience serving Central Texas. We pride ourselves on creating lifelong customer relationships and business partnerships and have a reputation for an unwavering commitment to our teams, our communities, and our customers.
Thanks to our diverse, energetic team, Horizon continues to grow and succeed:- #1 locally owned bank according to Austin Business Journal 2020 Power Rankings.
- Top 40 community banks nationwide by S&P Global Market Intelligence.
- 2022 Top 20 banks $2B to $10B by American Banker Association.
- 2020 & 2021 Thriving Together recipient for outstanding company Wellness Program. Learn more about our benefit package below!
We’re proud of where our teams have gotten us and can’t wait to see where you will take us next!
WHAT WILL I DO?Key Highlights:- Collect, monitor, and analyze financial data to determine credit worthiness of prospective and/or current customer(s).
- Prepare financial spreads and presentations on clients and presents information to managers and members of senior staff.
- Review risk classification definitions compared to actual risk ratings on loans, to ensure the risk rating on loan(s) is consistent with the Bank’s risk rating policy and Loan Policy.
- Review credit packages for policy compliance, structural soundness, and credit weakness.
- Prepare annual reviews on credits as assigned, to ensure compliance with loan policy.
- Provide excellent customer service to the Bank’s customers and employees through ongoing support via phone and in oral and written communications, while adhering to all Bank and Department policies and procedures; and,
- Other duties as assigned and/or taken on.
AM I THE RIGHT FIT?We are searching for professionals who have had proven success in their past careers, are self-motivated, and have a great attitude to join our team. Bonus: you have banking/financial services experience!
Specific minimum requirements include:- Bachelor’s degree in accounting, finance, or another related field and 1 year of direct industry experience in commercial credit, especially commercial real estate & banking C&I; or the equivalent combination of education and experience, which demonstrates the knowledge, skills, and abilities to perform the job duties of this position.
- Experience in financial statement and tax return analysis.
- Excellent communication and customer service skills.
- Possess problem solving capabilities, ability to work independently, and excellent organization and time management skills.
- Understanding of credit policy and procedures.
WHAT DOES IT MEAN TO BE ON THE HORIZON TEAM?Our commitment to our employees goes beyond base pay—it includes the tangible things like salary, benefits, and special employee programs such as training & development, wellness, and flexible sick time. Equally important are the intangible factors like challenging work, a community focused mindset, and the opportunity to grow professionally. We do not hire resources; we invest in people.
Benefits available to you include:- Health coverage options including Medical, Dental, and Vision
- Wellness Program that incentivizes you with premium cost savings
- Employee Assistance Program to help you with life’s challenges.
- Basic Group term Life and AD&D to protect you and your family.
- The opportunity to become a shareholder of the Bank through our 401k Retirement Plan
- Discounts on Pet Insurance
- Time off policies meant to support your work-life balance.
INTERESTED?This is a great opportunity to join a successful and growing organization. If you think that you could be the perfect fit, please apply now. Submit your resume and contact information for consideration.
Good luck and we look forward to hearing from you!
At Horizon Bank, we rely on diversity of culture and thought to deliver on our goals. To ensure this we seek talented, qualified people for all of our career opportunities, regardless of race, color, sex/gender, including pregnancy, gender identity and expression, national origin, religion, sexual orientation, disability, age, marital status, veteran status, or any other protected classification under federal, state and/or local laws. Horizon Bank is proud to be an Equal Employment Opportunity/Affirmative Action Employer. - 25 Days Ago
Credit & Collection Analyst II
- SunPower
-
Austin, TX
FULL_TIME
- Do you want to change the world? We do, too. SunPower is changing the way our world is powered every day with a passionate and driven team in North America and the Philippines. SunPower provides world...
- 18 Days Ago
SBA Credit Analyst
- SmartBiz
-
Austin, TX
FULL_TIME
- Position Overview SmartBiz is seeking a Credit Analyst who will support SmartBiz’s Funding Operations team in evaluating the financial health of a SBA loan applicant to determine whether to approve th...
- 12 Days Ago
Mortgage Credit Analyst
- IBC Bank
-
Austin, TX
FULL_TIME
- IBC Bank successes are the result of an aggressive and innovative attitude. The Bank's "We Do More" philosophy reflects it's dedication to the growth and success of it's employees, customers and commu...
- 30 Days Ago
Enterprise Security Analyst III
- Farm Credit Network
-
Austin, TX
FULL_TIME
- Why Us? Many organizations talk about making a difference in the world. At Farm Credit Bank of Texas, it’s more than talk. That’s because we have a central role financing the ag producers and business...
- Just Posted
#13452 - QA Test Analyst I
- QA Test Analyst I - Qualitest
-
Austin, TX
FULL_TIME
- Q Analysts is looking for a Test Analyst for a project with one of its clients who is a leader in the Virtual Reality space. Our client’s team applies a range of software, computer vision and robotics...
- 10 Days Ago
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0 Commercial Credit Analyst jobs found in Austin, TX area
Bartender
- Red Robin Gourmet Burgers
-
Austin, TX
- Front of House Team Members**Red Robin** isn't your typical burger restaurant. We're a team filled with unbridled energy...
- 4/24/2024 12:00:00 AM
Solar Performance Lead
- Black & Veatch
-
Austin, TX
- **Solar Performance Lead** Date: Apr 18, 2024 Location: US Company: Black & Veatch Family of Companies **Together, we ow...
- 4/24/2024 12:00:00 AM
Project Controls Analyst
- Black & Veatch
-
Austin, TX
- **Project Controls Analyst** Date: Apr 5, 2024 Location: Overland Park, KS, US US Ann Arbor, MI, US Burlington, MA, US H...
- 4/24/2024 12:00:00 AM
Senior Mechanical Engineer - HVAC/Plumbing - Hybrid
- Black & Veatch
-
Austin, TX
- **Senior Mechanical Engineer - HVAC/Plumbing - Hybrid** Date: Apr 5, 2024 Location: US Company: Black & Veatch Family of...
- 4/24/2024 12:00:00 AM
Construction Manager - Substation - Texas
- Black & Veatch
-
Austin, TX
- **Construction Manager - Substation - Texas** **Date:** Apr 5, 2024 **Location:** TX, US **Company:** Black & Veatch Fam...
- 4/24/2024 12:00:00 AM
Director of Credit, Highcrest Capital
- Highcrest Capital, LLC
-
Austin, TX
- Director of Credit for a Hedge Fund Company: Highcrest Capital LLC Job Title: Director of Credit for a Hedge Fund Locati...
- 4/23/2024 12:00:00 AM
Director of Credit, Highcrest Capital
- Highcrest Capital Llc
-
Austin, TX
- Director of Credit for a Hedge Fund Company: Highcrest Capital LLC Job Title: Director of Credit for a Hedge Fund Locati...
- 4/23/2024 12:00:00 AM
Vendor Sourcing Specialist
- The Amherst Group LLC
-
Austin, TX
- The Amherst Group of companies comprise of leading real estate investment and advisory firms with a mission to transform...
- 4/22/2024 12:00:00 AM
About Austin, Texas
Austin is the capital of the U.S. state of Texas and the seat of Travis County, with portions extending into Hays and Williamson counties. It is the 11th-most populous city in the United States and the 4th-most populous city in Texas. It is also the fastest growing large city in the United States, the second most populous state capital after Phoenix, Arizona, and the southernmost state capital in the contiguous United States. As of the U.S. Census Bureau's July 1, 2017 estimate, Austin had a population of 950,715 up from 790,491 at the 2010 census. The city is the cultural and economic center ...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Commercial Credit Analyst jobs
$52,223 to $68,379
Austin, Texas area prices
were up 1.2% from a year ago
were up 1.2% from a year ago
What does a Commercial Credit Analyst do?
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