Credit Analyst

2 weeks ago(12/6/2017 10:26 AM)
Job ID
2017-1532
# Positions
1
Experience (Years)
1
Corpus Christi
Type
Full-Time

Overview

Kleberg Bank believes that the customer’s experience is our Brand.  Each individual at Kleberg Bank is committed to providing “Raving Fan” customer service.  Therefore, we are seeking a Credit Analyst  for an entry level full-time position with unrivaled integrity, solid work ethic and a passion for service.   

 

The credit analyst is responsible for analyzing credit data and financial information of persons or companies that are applying for credit or loans to determine the risk that the bank, or other lending or credit-granting institution will not recoup funds loaned. The level of risk is then used to determine if a loan or line of credit will be granted, and if so, the terms of the loan, including interest rate. Credit analysts will prepare reports based upon their findings to help make decisions on lending and credit-worthiness.

 

Responsibilities

RESPONSIBILITIES

  • Assist in the credit decisions of the loan portfolio of the Bank.
  • Analyzes loan data on new and renewal loans, including data provided by customers, credit reports and other financial institutions.
  • Prepare financial spread sheet and credit memorandum.
  • Business acumen to analyze and properly assess the current and prospective financial condition of the borrower or prospective borrower.
  • Evaluating clients’ credit data and financial statements in order to determine the degree of risk involved in lending money
  • Evaluating the financial status of clients by producing financial ratios through computer programs
  • Provide technical advice and assistance to lending staff as needed.
  • Assist in the credit decisions of the loan portfolio of the Bank.
  • Assist in preparation of stress testing functions for loan portfolio. 
  • Comply with all laws, regulations, standards, and values that support the Bank's commitment to customer service and confidence and to the reputation of the Bank as described in the Team Member Handbook
  • Other duties as assigned

 

Qualifications

REQUIRED:  

  • College Degree in Finance or Accounting or equivalent background and experience  
  • Excellent oral and written communication.
  • Computer literacy in Microsoft Word, Excel, and PowerPoint. 

Kleberg Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, age, status as a protect veteran, among other things, or status as a qualified individual with disability.

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