Credit Analyst II - Houston Area

The Credit Analyst II is responsible for gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for diversified types of loans; assists loan officers in writing loan requests; promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.

Assures compliance with all Bank policies and procedures, as well as, all applicable state and federal banking regulations.

*Open to location.*

Responsibilities:                               

• Assists loan officers in performing pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
• Assists loan officers in gathering data from customers, internal and outside sources; prepares spreadsheets and analyzes financial information including financial statements and tax returns; contacts customers for additional information and clarification of data.
• Compiles data from credit bureaus, conducts industry peer comparisons, and performs cash flow analyses and other such tasks and comparisons.
• Writes financial reviews and reports; makes recommendation on loan structures and terms to loan officers.
• Assists loan officers in Coordinating processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans
• Informs loan officers when up-to-date financial statements are needed for commercial accounts; ensures credit inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved
• Assist loan officers in the review and renewal of credit facilities; provides back-up support
• Checks pledged assets as requested by loan officers.
• Assists with on-going computerization of the loan review function.
• Assists loan officers in verification of funds with mortgage companies and contractors.
• Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.
• Assists in providing deposit and loan account ratings for loan officers.
• Makes Loan presentations when needed as well as make joint calls with lenders on customers and prospects.
• Tracks and monitors credit exceptions.
• Prepares write ups for committee loan packages.
• Performs loan pricing analysis.
• Monitors and tracks financial reporting and other loan covenants.
• Follows policies and procedures; completes administrative tasks correctly and on time; supports the Bank’s goals and values; benefits the bank through outside activities.

About You:

• BBA in Finance or Accounting with formal bank training. 12 hours of accounting required
• Basic experience, knowledge and training  in  financial statement  and tax return  analysis  typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
• Basic knowledge of commercial, construction, real estate and consumer loan processing.
• Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures.
• Basic knowledge of related state and federal loan regulations and other Bank lending policies.
• Ability to effectively present information and respond to questions from groups of managers, customers, and members of the general public.
• Ability to deal with normal problems involving multiple facets and variables in non-standardized situations.
• Excellent organizational and time management skills.
• Ability to work with minimal supervision while performing duties.
• Successful completion of the Core Credit Training Program

  Stellar Benefits:

We believe that empowering people goes far beyond the workplace. That’s why we’ve designed our benefits to help foster your health and prosperity, so you can best support yourself, your loved ones and your communities

• Health Care Coverage, no waiting period
• Dental/Vision
• STD/LTD
• Annual Performance Bonus Eligible
• 401K with company match
• Paid Vacation
• Volunteer days
• Tuition Assistance
• And More

What it Means to Be Stellar:

Stellar Bank came to be in 2023, when Allegiance Bank and Community Bank of Texas joined forces. What emerged was a financial institution like no other. Stellar bankers set the standard for responsive, relationship-based community banking. We have the resources, dedication and personal focus to out-bank the big banks and out-service the small banks. Our customers see us as a vital part of the team. We are their financial experts who go above and beyond to help them form a plan and get it done

Join Stellar Bank and, yes, you’ll be providing outstanding banking. But you’ll be achieving something much greater. At Stellar, we empower people to thrive. This is our purpose. This would be your purpose. Here you’d be part of a supportive culture where relationships bond, individuals grow, communities prosper and careers flourish. You can make a difference at Stellar – for yourself and for everyone around you.