**Location- Houston Area (Bellaire) or South Texas Area (Victoria)**

POSITION PURPOSE

Analyze and conduct systematic loan reviews of commercial loan relationships to ascertain adequacy of credit quality and compliance with established policies. Identify credit risk and assign a credit risk grade.

ESSENTIAL FUNCTIONS AND BASIC DUTIES

1. Analyst completes Loan Reviews independently.
2. Perform loan reviews of existing commercial loans:

• Compile & input loan and financial data obtained from loan system and file documents into individual loan review forms.
• Perform cash flow adequacy analysis, balance sheet analysis, trend analysis, collateral valuation adequacy analysis, and other credit quality assessments relevant to the credit grade determination of the loan(s).
• Recommend credit risk grades and provide supporting reasons.

• Identify documentation and policy exceptions in the individual report.

3. Spreading and analysis of commercial financial statements & tax returns of existing loan customers as well as personal financial statements and tax returns of related guarantors when needed.
4. Review Loans at time of Approval/Origination for Risk Grade appropriateness.
5. Assist with quarterly board loan review meeting preparation: Collecting reviews into shared folder, creating cover page listing of reviews, compiling report of exceptions from the reviews, compiling exception trend reports, etc.
6. Assist with analysis, monitoring, and grade changes using ‘target-risk’ loan data reports.
7. Other duties as assigned.

QUALIFICATIONS

EDUCATION/CERTIFICATION:
Bachelor’s Degree in business administration, Accounting or Finance with a minimum of 12 hours of accounting.

EXPERIENCE REQUIRED:
A minimum of 2 years experience in commercial credit areas of banking is preferred.

SKILLS/ABILITIES:
Must be analytical and detail oriented.
Working knowledge of Excel, MS Word, and database applications.
Ability to learn new software applications.
Good oral and written communication skills.
Ability to learn and adhere to policies, procedures, and compliance regulations.
Work productively under direct supervision as well as independently.