Credit Analyst II - Greenway
Research shows that individuals from historically underrepresented groups may hesitate to apply for roles unless they meet every listed requirement. If you believe your skills, knowledge, and experience align with the role, even if they don’t exactly match the listed qualifications, we encourage you to apply. Your unique talents may be exactly what we’re looking for.
The Credit Analyst II under general direction and guidance of the Underwriting Manager and in partnership with Lenders, Credit Officers and Credit Team Leads, the primary function of a Credit Analyst (II) is to provide credit analysis for new loans and renewal requests, reviewing financial and collateral data, providing a cash flow analysis, analyzing risk factors, and maintaining adherence to bank policies and procedures.
*Houston Region*
ESSENTIAL DUTIES AND RESPONSIBILITIES
- Underwrite deals over small dollar loan amount.
- Assist with stress testing, special credit projects.
- Attend sales calls with lenders (when applicable).
- Understand loan policy and underwriting in a manner that meets expectations.
- Perform business and personal financial statement analysis including spreads, income tax form analysis, underwriting charts, and account receivable and payable analysis.
- Pull credit reports from Sageworks.
- In partnership with the loan officer, structure loans in a manner that manages and mitigates risk.
- May review loan documents (if assigned to office location without a Portfolio Manager).
- May attend/ assist in presenting credit packages or comment during Loan Committee meetings for assigned portfolio loans (if assigned to office location without a Portfolio Manager).
- Compliance with any and all BSA/AML/CFT and Sanctions requirements set forth by Bank Policy and Procedure, including but not limited to timely completion of assigned training.
SECONDARY DUTIES
The position performs duties specific to the position and other functions as assigned by management.
SUPERVISORY RESPONSIBILITY
This position is not responsible for the supervision of staff
ENVIRONMENT AND PHYSICAL ACTIVITY
The incumbent is in a non-confined office setting in which they are free to move about at will. In the course of performing the duties and responsibilities of this position spends time writing, speaking, listening, lifting (up to 25 pounds), sitting, typing on a computer keyboard, and standing, kneeling and reaching.
The incumbent for this position may operate any or all of the following: telephone, copy and fax machine, adding machine, computer and related printers.
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential function of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The incumbent in this position must be able to read documents or instruments, detailed work, problem solving, customer contact, reasoning, math, verbal and written communication, analytical reasoning, multiple tasks with constant interruptions.
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
- Travel Stipend
- Tuition Assistance
- And More
What it Means to Be Stellar:
Stellar Bank came to be in 2023, when Allegiance Bank and CommunityBank 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.
Stellar Bank does not discriminate on the basis of race, color, religion, national origin, sex, disability, familial status or any other characteristic protected by applicable federal, state, or local laws, regulations and ordinances.
Other details
- Job Family Credit
- Pay Type Hourly
- 9 Greenway Plz, Houston, TX 77046, USA