A Senior Credit Analyst is needed by a bank client of The Symicor Group in Dallas, TX, to evaluate commercial credit requests by analyzing financial statements and risk factors. The role involves preparing detailed credit analyses, presenting findings to loan committees, and supporting lending decisions for new, renewal, and extended loans.
What You'll Do
- Responsible for preparing basis and comprehensive credit analyses on commercial loans that facilitates the credit approval process for use by loan officers or committees in the making of lending decisions regarding new, renewal, and extension loans.
- Thoroughly analyzes the most complex commercial credits. Analyzing factors such as income growth, margins, trends, quality of management, market shares, industry risks and collateral assessment. Submits credit approval documents to appropriate personnel for decision-making.
- Analyze & create loan presentations for the commercial loan committee.
- Assist lenders in evaluating credit proposals and proper structure.
- Grade new and existing loans.
- Prepare financial projections and stress tests.
- Present financial information to the loan committee and vote on loan presentations.
- Prepare audits on commercial loans for documentation and credit exceptions, provide recommendations. Maintain a list of ongoing loan exceptions.
- Maintain a list of loans to be funded.
What We're Looking For
- Five or more years of experience as a Credit Analyst required.
- Experienced in preparing credit presentations.
- Able to manage/process/track annual reviews of the necessary credits.
- Thorough knowledge of current lending and loan review regulations and banking regulations, procedures, and operations.
- Proficient ability to analyze and interpret financial statements.
- Excellent written and verbal communication skills.
- Strong organizational skills with an eye for detail.
- Ability to multi-task.
- Adept with spreadsheet and word processing software as well as have experience working in a digital office environment.
Nice to Have
- Bachelor’s Degree in a related field of study preferred specialized financial analysis training.
Technical Stack
- spreadsheet software
- word processing software
- digital office environment tools
Team & Environment
- nationally unique value proposition centers around providing the very best available banking and accounting talent
- most of our recruiters are former bankers or accountants themselves
- job title is not considered the final definition of who you are, but merely the starting point for your future
- opportunity where you can pursue your interests and your passion
Benefits & Compensation
- generous benefits package
Compensation: up to $95,000
Work Mode
- onsite in Dallas, TX
Equal Employment Opportunity: This employer provides equal employment opportunities to all applicants without regard to race, color, religion, gender, sexual orientation, national origin, age, disability, or veteran status.
