Extraco Banks is seeking a Credit Analyst IV to join our team. This position is located in office in Temple, Texas.
Summary: Produce efficient commercial credit analysis including new loan evaluations, monitor existing loans for compliance with financial covenants, facilitate proper risk/reward balance in individual commercial credit exposures. Candidates should have 2 years of banking or similar experience.
Responsibilities and Duties: Works closely with commercial bankers to analyze potential loan opportunities, helps with assembling information, and assists with structuring terms and covenants. Along with the Chief Credit Officer, acts as a quality control person who brings objectivity to the loan underwriting process.
Education: College education with emphasis in Finance, Accounting or Economics Must have 9 hours of Accounting
Minimum of 3 years of Commercial Credit Experience
Requirements: Strong organizational and analytical skills. Understanding of accounting terms and bank terminology.
Ability to read and interpret financial statements to include: tax returns (individual and business), balance sheets, income statements, cash flow schedules, statement of owner's equity. Good understanding of lending concepts, practices and procedures. Excellent written and verbal communication skills. Strong presentation skills and ability to develop business relationships with internal and external customers.
Extraco provides excellent benefits and competitive compensation. We are an Equal Opportunity Employer M/F/D/V. Extraco provides reasonable accommodation for persons with disability.