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Senior Credit Analyst (Full Time) - Dallas
at Prosperity Bank
Prosperity Bank is seeking to fill the position of Senior Credit Analyst in Dallas.
The Senior Credit Analyst will be primarily responsible for spreading and analysis of commercial financial statements for prospective and existing loan customers. The Analyst will perform financial analysis and basic underwriting of loan packages for loan officers to include the following: trend, equity and ratio analysis, loan structuring, collateral analysis, guarantor analysis, and calculation of Global Debt Service Coverage. Other duties will include performing loan reviews of existing commercial loans (recommending credit grades based on creditworthiness of borrower and performance of the loan, and identifying documentation exceptions and evaluate underwriting), redetermination of Borrowing Base Analysis (review A/R Aging, Inventory, Equipment, Floor Plan reports and prepare Borrowing Base Calculation reports), and other related duties as assigned. A full description available upon hiring.
ESSENTIAL FUNCTIONS AND BASIC DUTIES
1. To assist loan officers in making credit decisions on new loan requests or loan renewals.
2. Complete credit analysis, background, collateral, strengths & weaknesses and summaries of loan request(s).
3. When needed perform loan reviews of existing commercial loans.
4. Identify documentation exceptions.
5. Other duties as assigned.
Prosperity Bank is committed to providing our customers a personalized service experience, we're looking for people who are passionate about satisfying customers, will not settle for the average, embrace creativity and operate with a sense of purpose. If this is you, then we are looking forward to meeting you and are excited that you are interested in joining Prosperity Bank - where we are Simply Better!
Come join our team and explore the endless possibilities that a career in banking can provide!
A pre-employment credit check will be performed on all qualified applicants.
Prosperity Bank is an Equal Employment Opportunity and Affirmative Action employer, and Member of the FDIC.
Ability to work on multiple transactions simultaneously and prioritize assignments to meet deadlines.
Strong analytical skills with an ability to interpret complex financial information and identify relevant risks.
Proficiency in underwriting personal/business tax returns and financial statements.
Excellent interpersonal and communication skills, oral and written, with a focus on excellent customer service.
Ability to work in a fast-paced, high volume environment, while practicing sound lending judgment.
Ability to work independently and be a self-starter, producing results in a timely manner.
Working knowledge of Excel, MS Word, and database applications.
Must be detail oriented, organized and work efficiently under pressure.
Bachelor’s Degree in Business Administration, Accounting or Finance with a minimum of 12 hours of accounting and 18 hours of finance.
Minimum 2 years of experience underwriting C&I and CRE credit transactions required.
Completion of a formal credit program preferred, with specific training in financial statement analysis and cash flow analysis.