Hilltop Holdings
Credit Analyst - Banker Development Program
Hilltop Holdings, Dallas, Texas, United States, 75215
Job Description
Benefit highlights: 11 Paid Holidays, 15+ days of PTO, 401k Matching, Health Benefits, and more!
The Credit Analyst Banker Development Program will have a start date in Summer 2025 and will participate in our Banker Development Program, which is designed for individuals who wish to pursue a career as a Commercial Banker (Lender). As a Credit Analyst in our Banker Development Program, you will receive training and work as a Credit Analyst, where you will provide full support to the Commercial Bankers in your respective market by underwriting a variety of financial transactions involving working capital, equipment, real estate, and small company acquisitions. You will also receive additional career development in areas across the bank that are focused on preparing you to become a Commercial Banker (Lender). Those who successfully complete the Banker Development Program will typically move into a lending role within two to three years.
Responsibilities
Analyzes financial statements (including performance ratios) of all levels of quality to develop initial assessment by identifying strengths and weaknesses as pertaining to borrower's historical operating performance.Prepares written analyses which include:
credit investigation of the borrower and guarantors.economic and market conditions as they relate to the company, industry, and market area.in-depth historical and projected financial/cash flow analysis, including communicating with the borrower's accountant to gain a better understanding of the company's accounting practices.in-depth analysis of the secondary sources of repayment such as collateral.in-depth analysis of a guarantor's financial positionidentifies borrower's strengths and weaknesses
Collects and maintains industry data; research industry specific information from outside sources, including conversations with the borrower, industry publications, references from other banks, credit agencies, as well as accessing information through the internet.Attends weekly Loan Committee meetings and is available to answer questions regarding credit analysis as necessary; often presents the loan request to the committee.Participates in customer meetings as requested by officers (may require travel at times).Performs real estate appraisal reviews for lenders in all regions.Processes and establishes accountability pertaining to Commercial Loan Agreement requirements/covenants.Monitors periodic inspections pertaining to real estate construction projects - loan advances versus project completion.Actively participates in all assigned training and development sessions.Completes all assigned training and development projects and initiatives.Other duties as required.
Qualifications
Bachelor's degree in Business related field required. Strong preference for Finance or Accounting major or concentration.Professional experience in financial, credit, or statistical analysis, and/or statement spreading and assessing companies through internships, part-time or full-time work, and/or extracurricular activities preferred.Excellent verbal, written and interpersonal communication skills.Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems.Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment.Must be self-motivated with strong initiative, accountability, and attention to detail.Must be able to attend initial training in Dallas, TX for approximately four weeks (initial training period could change depending on the needs of the program). Travel for subsequent training sessions will also be required throughout the duration of the Banker Development Program with dates and locations to be announced at the time of training.
The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company.
About Us
PlainsCapital Bank was founded in 1988 by a group of young bankers who dreamed of bringing relationship banking to their hometown of Lubbock, Texas. With the acquisition of Plains National Bank, a Lubbock financial institution with one branch and approximately $198.8 million in assets, they began growing the bank one relationship at a time.
Over 30 years later, PlainsCapital Bank has held fast to its tried-and-true relationship-based culture and its commitment to financial strength and stability. PlainsCapital Bank ranks sixth among the largest banks headquartered in Texas by deposits and has a statewide presence with approximately 59 locations in markets such as Austin, the Coastal Bend, Dallas, Fort Worth, Houston, Lubbock, the Rio Grande Valley, and San Antonio. Backed by decades of experience, our knowledgeable bankers are renowned for their straightforward approach and for taking exceptional care of their clients. They bring both financial and industry expertise along with vast local market knowledge to each client relationship.
PlainsCapital Bank conducts both commercial and consumer banking, providing a full suite of commercial banking products and services to fit any business model and convenient services, personal attention, and account features to help simplify managing personal finances.
PlainsCapital Bank continues to remain strong and stable, delivering highly personalized service and a single point of contact to help customers reach their financial goals.
To learn more, please visit us online at plainscapital.com/about.
Benefit highlights: 11 Paid Holidays, 15+ days of PTO, 401k Matching, Health Benefits, and more!
The Credit Analyst Banker Development Program will have a start date in Summer 2025 and will participate in our Banker Development Program, which is designed for individuals who wish to pursue a career as a Commercial Banker (Lender). As a Credit Analyst in our Banker Development Program, you will receive training and work as a Credit Analyst, where you will provide full support to the Commercial Bankers in your respective market by underwriting a variety of financial transactions involving working capital, equipment, real estate, and small company acquisitions. You will also receive additional career development in areas across the bank that are focused on preparing you to become a Commercial Banker (Lender). Those who successfully complete the Banker Development Program will typically move into a lending role within two to three years.
Responsibilities
Analyzes financial statements (including performance ratios) of all levels of quality to develop initial assessment by identifying strengths and weaknesses as pertaining to borrower's historical operating performance.Prepares written analyses which include:
credit investigation of the borrower and guarantors.economic and market conditions as they relate to the company, industry, and market area.in-depth historical and projected financial/cash flow analysis, including communicating with the borrower's accountant to gain a better understanding of the company's accounting practices.in-depth analysis of the secondary sources of repayment such as collateral.in-depth analysis of a guarantor's financial positionidentifies borrower's strengths and weaknesses
Collects and maintains industry data; research industry specific information from outside sources, including conversations with the borrower, industry publications, references from other banks, credit agencies, as well as accessing information through the internet.Attends weekly Loan Committee meetings and is available to answer questions regarding credit analysis as necessary; often presents the loan request to the committee.Participates in customer meetings as requested by officers (may require travel at times).Performs real estate appraisal reviews for lenders in all regions.Processes and establishes accountability pertaining to Commercial Loan Agreement requirements/covenants.Monitors periodic inspections pertaining to real estate construction projects - loan advances versus project completion.Actively participates in all assigned training and development sessions.Completes all assigned training and development projects and initiatives.Other duties as required.
Qualifications
Bachelor's degree in Business related field required. Strong preference for Finance or Accounting major or concentration.Professional experience in financial, credit, or statistical analysis, and/or statement spreading and assessing companies through internships, part-time or full-time work, and/or extracurricular activities preferred.Excellent verbal, written and interpersonal communication skills.Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems.Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment.Must be self-motivated with strong initiative, accountability, and attention to detail.Must be able to attend initial training in Dallas, TX for approximately four weeks (initial training period could change depending on the needs of the program). Travel for subsequent training sessions will also be required throughout the duration of the Banker Development Program with dates and locations to be announced at the time of training.
The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company.
About Us
PlainsCapital Bank was founded in 1988 by a group of young bankers who dreamed of bringing relationship banking to their hometown of Lubbock, Texas. With the acquisition of Plains National Bank, a Lubbock financial institution with one branch and approximately $198.8 million in assets, they began growing the bank one relationship at a time.
Over 30 years later, PlainsCapital Bank has held fast to its tried-and-true relationship-based culture and its commitment to financial strength and stability. PlainsCapital Bank ranks sixth among the largest banks headquartered in Texas by deposits and has a statewide presence with approximately 59 locations in markets such as Austin, the Coastal Bend, Dallas, Fort Worth, Houston, Lubbock, the Rio Grande Valley, and San Antonio. Backed by decades of experience, our knowledgeable bankers are renowned for their straightforward approach and for taking exceptional care of their clients. They bring both financial and industry expertise along with vast local market knowledge to each client relationship.
PlainsCapital Bank conducts both commercial and consumer banking, providing a full suite of commercial banking products and services to fit any business model and convenient services, personal attention, and account features to help simplify managing personal finances.
PlainsCapital Bank continues to remain strong and stable, delivering highly personalized service and a single point of contact to help customers reach their financial goals.
To learn more, please visit us online at plainscapital.com/about.