Position Summary:

The Commercial Credit Analysts will support The Bank of San Antonio's commercial and private banking business plan by researching and calculating risks for complex commercial transactions such as granting businesses loans and extending lines of credit for equipment and other goods. Commercial Credit Analysts are required to be quantitative thinkers who are able to take into consideration a large number of variables in order to make evaluations. Works as part of a team and interacts with management, other departments and clients; requiring good communications and interpersonal skills. Manage portfolio to include customer service, problem solving, maintenance, renewals, modifications and information flow. Assist Relationship Managers with prospective clients. Familiar with standard concepts, practices, procedures, regulations and laws within the Commercial Lending and Credit Analyst field. Relies on limited experience and judgment to plan and accomplish goals. Performs a variety of tasks. A wide degree of creativity and latitude is expected. May train, lead and direct the work of others. Ensures excellent internal and external client relations at all times.

Essential Functions:

• Analyze credit worthiness of all current and prospective business customers.
• Obtain, investigate and analyze credit data, records and spread financial statements.
• Confer with credit association and other business representatives to exchange credit information.
• Provide in-depth written analysis of commercial credit requests.
• Recommend loan structuring.
• Prepare internal monthly reports that include the degree of risk involved in extending credit or lending money.
• Perform periodic reviews and risk ratings of existing borrowers and key vendors
• Ensure adherence to commercial loan policy standards, procedures, regulations and laws.
• Ensure loan policy exceptions are documented and discussed appropriately in credit approval documents.
• Create, maintain and organize credit files and perform review of loan covenant compliance.
• Consult and communicate effectively with internal and external clients as necessary to resolve issues during the loan approval process.
• Demonstrate exemplary service and professionalism to clients and prospects when going with Relationship Managers on customer calls related to specific commercial loan requests.
• May identify cross-sell and referral opportunities.

Skills:

• Active Listening – Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
• Speaking – Talking to others to convey information effectively.
• Reading and Written Comprehension – Understanding written sentences and paragraphs in work related documents; proficient in business writing.
• Mathematics – Using mathematics to solve problems.
• Critical Thinking – Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems; sound judgment and decision-making.
• Service Orientation – Actively looking for ways to help people.
• Instructing – Teaching others how to do something.
• Ability to prioritize and meet deadlines.
• Unquestionable ethics, detail oriented and strong organizational skills.
• Proficient with various Microsoft applications and Internet based applications.
• Ability to work well in a team environment that promotes inclusiveness and communication among team members.
• Flexible; ability to adapt to a changing environment.
• Desire to self-development by staying aware of current trends and new developments the field of Commercial Lending, credit policy/procedures, regulations and laws.

Education and Experience Qualifications:

• Requires Bachelor’s degree with emphasis on business/finance/economics; minimum two years experience underwriting preferred. Understanding of social, economic and political issues that impact our market(s). Expertise in credit underwriting spreading software such as Sageworks preferred.