Centennial Bank
Credit Analyst III
Centennial Bank, Lubbock, TX
GENERAL DESCRIPTION OF POSITION
The Credit Analyst III analyzes credit data to estimate the degree of risk involved in extending credit or lending money to firms or individuals. This position performs analysis on large and complex loans or relationships with a Region or Industry. The Credit Analyst III engages with Analyst I or II, as appropriate, to assist in the analysis of the credits or relationships and as directed by the Regional Credit Analysis Manager.
ESSENTIAL DUTIES AND RESPONSIBILITIES
1. Generate spreadsheets within the bank lending operating system (nCino) using financial statements presented by commercial lenders to find and review trends. This duty is performed daily, about 25% of the time.
2. Manage a schedule of which spreadsheets are prepared and returned to loan officers within a time period agreed upon in advance with each lender. This duty is performed daily, about 25% of the time.
3. Create spreadsheets designed to quantify borrower's personal, global, and real estate cash flows on an accurate and timely basis. This duty is performed daily, about 25% of the time.
4. Create narrative analysis of findings and recommendations for lenders. This duty is performed as needed, about 5% of the time.
5. Facilitate and attend loan committee meetings when directed by management. This duty is performed as needed, about 5% of the time.
6. Review outgoing analysis prepared by the Credit Analyst I and Credit Analyst II positions. This duty is performed weekly, about 15% of the time.
7. Complete required BSA/AML training and other compliance training as assigned. This duty is performed quarterly.
8. The ability to work in a constant state of alertness and in a safe manner. This duty is performed daily.
9. Perform any other related duties as required or assigned.
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.
EDUCATION AND EXPERIENCE
Broad knowledge of such fields as accounting, marketing, business administration, finance, etc. Equivalent to a four year college degree, plus 5 years related experience and/or training, and 4 years related management experience, or equivalent combination of education and experience.
COMMUNICATION SKILLS
Ability to read, analyze, and understand common scientific and technical journals, financial reports, and legal documents; ability to respond to complex or difficult inquiries or complaints from customers, regulatory agencies, or members of the business community.
MATHEMATICAL SKILLS
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts such as fractions, ratios, and proportions to practical situations.
CRITICAL THINKING SKILLS
Ability to solve practical problems and deal with a variety of known variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, or diagram formats.
REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS
Not indicated.
PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS
Not indicated.
SOFTWARE SKILLS REQUIRED
Advanced: 10-Key, Accounting, Spreadsheet, Word Processing/Typing
Intermediate: Alphanumeric Data Entry
Basic: Presentation/PowerPoint
RESPONSIBILITY FOR WORK OF OTHERS
Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities may include but not limited to interviewing, hiring and training employees; planning, assigning and directing work; appraising performance, rewarding and disciplining employees; addressing complaints and resolving problems.
Supervises a small group (3-7) of employees, usually of lower classifications. Assigns and checks work; assists and instructs as required and performs same work as those supervised, or closely related work, a portion of the time. Content of the work supervised is of non-technical nature, but presents numerous situations to which policies and precedents must be interpreted and applied.
Supervises the following departments:
WORKING CONDITIONS
Normal working conditions as found within an office setting, wherein there is controlled temperature and a low noise level, plus a minimum of distractions.
ENVIRONMENTAL CONDITIONS
The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.
PHYSICAL ACTIVITIES
The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.
Semi-repetitive, low physical. Semi-repetitive type work which requires periods of concentration for varied time cycles as prescribed by the tasks.
While performing the functions of this job, the employee is frequently required to walk, sit, use hands to finger, handle, or feel, talk or hear; and occasionally required to reach with hands and arms, stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.
ADDITIONAL INFORMATION
-Five (5) or more years of related experience and/or training
-Four (4) years related management experience with managing projects, systems and/or people
-Analytically minded and possess good judgment.
-Ability to mentor others
-Proficient in Microsoft Word and Excel.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
The Credit Analyst III analyzes credit data to estimate the degree of risk involved in extending credit or lending money to firms or individuals. This position performs analysis on large and complex loans or relationships with a Region or Industry. The Credit Analyst III engages with Analyst I or II, as appropriate, to assist in the analysis of the credits or relationships and as directed by the Regional Credit Analysis Manager.
ESSENTIAL DUTIES AND RESPONSIBILITIES
1. Generate spreadsheets within the bank lending operating system (nCino) using financial statements presented by commercial lenders to find and review trends. This duty is performed daily, about 25% of the time.
2. Manage a schedule of which spreadsheets are prepared and returned to loan officers within a time period agreed upon in advance with each lender. This duty is performed daily, about 25% of the time.
3. Create spreadsheets designed to quantify borrower's personal, global, and real estate cash flows on an accurate and timely basis. This duty is performed daily, about 25% of the time.
4. Create narrative analysis of findings and recommendations for lenders. This duty is performed as needed, about 5% of the time.
5. Facilitate and attend loan committee meetings when directed by management. This duty is performed as needed, about 5% of the time.
6. Review outgoing analysis prepared by the Credit Analyst I and Credit Analyst II positions. This duty is performed weekly, about 15% of the time.
7. Complete required BSA/AML training and other compliance training as assigned. This duty is performed quarterly.
8. The ability to work in a constant state of alertness and in a safe manner. This duty is performed daily.
9. Perform any other related duties as required or assigned.
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.
EDUCATION AND EXPERIENCE
Broad knowledge of such fields as accounting, marketing, business administration, finance, etc. Equivalent to a four year college degree, plus 5 years related experience and/or training, and 4 years related management experience, or equivalent combination of education and experience.
COMMUNICATION SKILLS
Ability to read, analyze, and understand common scientific and technical journals, financial reports, and legal documents; ability to respond to complex or difficult inquiries or complaints from customers, regulatory agencies, or members of the business community.
MATHEMATICAL SKILLS
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts such as fractions, ratios, and proportions to practical situations.
CRITICAL THINKING SKILLS
Ability to solve practical problems and deal with a variety of known variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, or diagram formats.
REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS
Not indicated.
PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS
Not indicated.
SOFTWARE SKILLS REQUIRED
Advanced: 10-Key, Accounting, Spreadsheet, Word Processing/Typing
Intermediate: Alphanumeric Data Entry
Basic: Presentation/PowerPoint
RESPONSIBILITY FOR WORK OF OTHERS
Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities may include but not limited to interviewing, hiring and training employees; planning, assigning and directing work; appraising performance, rewarding and disciplining employees; addressing complaints and resolving problems.
Supervises a small group (3-7) of employees, usually of lower classifications. Assigns and checks work; assists and instructs as required and performs same work as those supervised, or closely related work, a portion of the time. Content of the work supervised is of non-technical nature, but presents numerous situations to which policies and precedents must be interpreted and applied.
Supervises the following departments:
WORKING CONDITIONS
Normal working conditions as found within an office setting, wherein there is controlled temperature and a low noise level, plus a minimum of distractions.
ENVIRONMENTAL CONDITIONS
The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.
PHYSICAL ACTIVITIES
The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.
Semi-repetitive, low physical. Semi-repetitive type work which requires periods of concentration for varied time cycles as prescribed by the tasks.
While performing the functions of this job, the employee is frequently required to walk, sit, use hands to finger, handle, or feel, talk or hear; and occasionally required to reach with hands and arms, stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.
ADDITIONAL INFORMATION
-Five (5) or more years of related experience and/or training
-Four (4) years related management experience with managing projects, systems and/or people
-Analytically minded and possess good judgment.
-Ability to mentor others
-Proficient in Microsoft Word and Excel.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)