Lead Credit Analyst- Downtown, Sulphur Springs, TX

About this role

• Lead Credit Analyst The Lead Credit Analyst will oversee the credit analysis function, ensuring the timely and accurate evaluation of loan applications and creditworthiness of potential borrowers.
• This role involves leading a team of credit analysts, developing credit policies, and collaborating with other departments to enhance the bank's lending processes while maintaining compliance with regulatory standards.
• ***Supervisory Responsibilities:*** =================================== * Supervises and manages credit support staff as assigned.
• * Maintains sufficient, skilled bank staff by scheduling appropriate employees and providing ongoing training and cross-training opportunities.
• * Collaborates with other Management to conduct performance evaluations that are timely and constructive.
• **Duties/Responsibilities:** ---------------------------- * Receives from management and lenders request for; special projects, loan review, financial analysis, underwriting analysis and drafting of loan request packets.
• * Maintains a work log for request from management and lenders to assist in the credit analysis process and ensure timely completion of request.
• * Assigns task (loan review, analysis, loan request packets, special projects) to Credit Analyst * Reviews and checks work performed by Analyst for accuracy.
• * Designs and generates tracking and monitoring reports for bank management and the Board of Directors * Responsible for tracking and reporting to officers and management, the various levels of financial reporting required by loan policy.
• * Responsible for implementing and maintaining an ongoing training program for Credit Analyst * Performs other related duties as assigned.
• **Required Skills/Abilities:** ------------------------------ * Excellent verbal and written communication skills.
• * Proficient in Microsoft Office Suite or related software, as well as analysis software.
• * Basic understanding of relevant equipment, policies, procedures and strategies used in credit analysis.
• * Ability to develop an in-depth understanding of the Bank's Loan Policy and generally accepted credit practices and compare these to credit request presented to the bank's Loan Committees.
• * Ability to identify discrepancies and problems.
• **Education and Experience:** ----------------------------- * Bachelor's degree in Accounting, Economics, Finance, Statistics, or Mathematics or equivalent experience required.
• * Two or more year's experience in loan credit analysis in a banking environment * Superior knowledge of analyzing financial statements and tax returns in a banking environment * Knowledge and comprehension of banking regulations applicable to loans * One year's experience designing and programming loan tracking reports **Physical Requirements:** -------------------------- * Prolonged periods sitting at a desk and working on a computer.
• * Must be able to lift up to 15 pounds at times.
• **Benefits:** ------------- * 401k matching * Medical insurance * Dental insurance * Group Term and Voluntary Term Life insurance * Paid Time Off * H.S.A.
• Contributions (based on eligibility) * Tuition Reimbursement (based on eligibility) * Typical hours are Monday through Friday 8am to 5pm **City National Bank is an Equal Opportunity Employer**

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