Commercial Credit Analyst I

Commercial Credit Analyst I

We are one of the largest independently owned banks in Texas with offerings in personal and private banking, wealth management, business banking, and mortgage lending.

Position Overview

The Commercial Credit Analyst is responsible for conducting credit investigations, preparing, and interpreting financial statements, and analyzing routine credit information related to commercial loan requests. Operating under close supervision, this role assists in compiling and presenting credit information to commercial loan officers and banking committees, while providing critical support in the decision-making process for new, renewal, and extension loans. Additionally, this role involves maintaining up-to-date credit files, conducting collateral inspections, and staying informed on industry trends.

Essential Functions

• Successfully completes Phase I of the BDP, demonstrating an understanding of core banking functions and credit analysis principles.
• Gathers credit information from various sources, including credit bureaus, reporting services, bank references, and internal credit records.
• Compiles and organizes relevant data to aid in lending decisions on new, renewal, and extension loans.
• Spreads and analyzes financial statements and related materials under supervision.
• Prepares summaries and presents information, occasionally offering opinions on creditworthiness.
• Provides credit information and references to customers, loan officers, and other agencies as requested.
• Ensures all credit files are current, maintaining the latest financial statements and agency reports.
• Assists in compiling minutes for Officers' and Directors' Loan Committee meetings.
• Attends and participates in various committee meetings, contributing insights as needed.
• Supports loan officers with collateral inspections, ensuring that the collateral backing loans is accurately evaluated and documented.
• Keeps abreast of current industry trends by maintaining peer relationships, attending seminars and workshops, and reading relevant industry periodicals.
• Undertakes additional duties and responsibilities as requested by supervisors, contributing to the overall success of the credit team.
• This position may require travel within the Bank's geographic area.

Experience & Education

Skills & Qualifications

Other Requirements

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This job description is not designed to be a comprehensive listing of duties, responsibilities, or activities that are required for this job. Duties, responsibilities, and activities may change at any time with or without notice. Broadway Bank is proud to be an Equal Opportunity Employer. Broadway Bank is a drug-free and tobacco-free workplace, with a nicotine-free hiring policy. All qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, disability, veteran status, or other legally protected status. Member FDIC