Commercial Credit Analyst I

Why Broadway Bank:
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:

• 0-2 years of experience in commercial credit analysis or a related area. Familiarity with standard concepts, practices, and procedures in commercial credit is essential.
• Demonstrated above-average interpersonal skills and a strong self-motivation to work effectively in an on-the-job training environment is a plus.
• Bachelor’s Degree, including at least 9 credit hours in Accounting and 12 credit hours in Finance.

Skills & Qualifications:

• Ability to spread and analyze financial statements, identifying key trends and risks.
• Strong attention to detail in the collection, organization, and analysis of credit information.
• Excellent written and verbal communication skills, with the ability to prepare clear and concise summaries and reports.
• Experience with Microsoft Windows, Word, and Excel; prior experience with financial analysis software; preferred.
• Ability to manage multiple tasks and meet deadlines in a fast-paced environment.
• A strong drive to learn and develop within an on-the-job training environment.
• Well-developed organizational abilities to manage and maintain current credit files.
• High standard of ethical behavior in handling sensitive financial information.
• Flexibility in assuming additional responsibilities and adjusting to changing priorities.

Other Requirements:

• Requires the ability to lift, carry, push, pull weights or otherwise move objects weighing as much as 10 lbs. on a regular basis and/or for extended periods of time during the workday.
• Occasional overtime or extended hours may be required.

We’re a culture that offers resources to benefit your
overall health and well-being:

• Career Development and Mentorship Programs
• Generous paid time off, minimum 4 weeks
• Employee recognition, awards, and events
• Free vision insurance
• Retirement matching
• Tuition reimbursement

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