Credit Analyst

Vantage Bank Texas - Laredo, TX

Full-time - Mid Level

Laredo, TX

Credit Intermediation and Related Activities

About the position

The Credit Analyst position at Vantage Bank Texas is a full-time role responsible for conducting in-depth risk analysis and underwriting for both commercial and individual borrowers. The analyst will evaluate creditworthiness, ensuring compliance with the bank's risk appetite and regulatory guidelines, while collaborating with loan officers and senior management to make informed credit decisions.

Responsibilities

• Conduct comprehensive credit analyses for loan requests, including reviewing financial statements, tax returns, credit reports, and other relevant documentation.
• Collaborate with loan officers to clarify borrower details and address potential concerns.
• Prepare detailed underwriting reports summarizing findings and recommendations for senior management and credit committees.
• Provide insights and guidance on credit policies and procedures to loan officers and stakeholders.
• Stay updated on banking regulations, industry trends, and economic factors impacting underwriting and risk practices.
• Occasionally join loan officers on calls or site visits with prospects or customers.
• Represent the Bank in community functions to enhance its image and develop additional business.
• Perform various tasks and projects as requested by the Credit Review Manager.
• Participate in training and mentoring of other department team members and support staff.
• Promote superior customer service and a mindset of continuous improvement.

Requirements

• Bachelor's degree in Accounting or Finance (B.A. or B.S.).
• 2+ years of work experience as a commercial underwriter, credit analyst, and/or financial analyst.
• Proven track record in analyzing and underwriting loans for both C&I and CRE borrowers.
• Strong proficiency in financial analysis, including balance sheet and income statement analysis, tax return analysis, and cash flow analysis.
• Familiarity with financial spreading software; experience with Moody's CreditLens and Bukers Taxanalysis is advantageous.
• Strong understanding of banking regulations, compliance standards, and risk management practices.
• Ability to read, analyze, and interpret financial statements and tax returns in detail.
• Basic skills in Microsoft Word and Excel, along with basic typing skills.
• Excellent written and verbal communication skills.
• Excellent organizational and time management skills.