Capital Farm Credit - San Antonio, TX
posted 5 months ago
The Credit Analyst position at Capital Farm Credit is a full-time role located in the San Antonio Market. The successful candidate will be responsible for the administration and analysis of credit on commercial and mortgage loans, which includes conducting risk assessments and making recommendations regarding the approval of new loan or lease applications as well as credit servicing actions. This role requires a Bachelor's degree in Finance, Business Administration, or a related field, or equivalent experience, along with two to four years of relevant experience in credit analysis. In this position, the Credit Analyst will provide assistance to Loan Officers, Special Assets Officers, and Retail Loan Administrators in the analysis, servicing, and reporting of the Association's loans and leases. The analyst will analyze financial information, including balance sheets, income statements, and cash flows of potential borrowers to ascertain their creditworthiness. They will determine appropriate risk ratings for loans and leases, including Probability of Default (PD) and Loss Given Default (LGD) ratings, and analyze collateral and repayment sources. The role also involves interpreting and communicating the Association's lending policies and procedures, working closely with internal stakeholders to develop appropriate credit decisions, and preparing reports as requested by management. The Credit Analyst will review and approve loans submitted by other lending staff that exceed their delegated authority and assist senior-level credit analysts with complex loan applications as necessary. Additionally, the analyst will participate in developing loan/lease relationships with other lenders and potential borrowers, assist in closing loans/leases, and act as an approver of loans and credit servicing actions within their delegated authority. The position may also involve mentoring and training less-senior credit analysts and assisting other personnel in completing projects as assigned. The ideal candidate will possess a general knowledge of accounting and financial systems, specialized knowledge of accounting/finance principles, and strong communication skills, both oral and written. Intermediate skills in Microsoft Office applications and the ability to perform intermediate-level accounting and financial analyses under moderate supervision are also preferred.