Option 2: Create a New Profile
Senior Credit Analyst/Underwriter
- Job Title
- Senior Credit Analyst/Underwriter
- Job ID
- 27465221
- Location
- Dallas, TX 75219
- Other Location
- Description
-
Primary responsibility of the credit staff is to underwrite and document credit requests to assure the loan terms are appropriately detailed, the capacity to repay through the primary and secondary repayments sources is clearly identified in the context of the risks in their business and industry, and to determine the risk grade based on these factors. This will require a strong knowledge in but not be limited to:
- Commercial loans of different types, industries and degrees of complexity
- Financial Statement Spreading
- Cash Flow Analysis
- Stress Testing and Sensitivity Analysis
- Collateral Analysis
- Guarantor Analysis
- Global Analysis with understanding of Business and Personal Tax Returns
- Economic & Industry Analysis
- Regulatory requirements and impact of Bank policy
The candidate will be expected to:
- Engage analytical skills to gather and interpret data to assess risks and impact on repayment capacity, especially for complex situations and problems
- Understand structural requirements and appropriate loan terms
- Have integrity, discretion, and respect for confidential information
- Engage in special projects as a growing Bank.
A Senior Credit Analyst will have greater experience and ability to address more complex items, whereas an Underwriter will have an ability to more independently address the items above, plus a deep knowledge of appropriate loan terms, structures, documentation, as well as managing through the cycle.