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Senior Credit Analyst
NexBank is seeking a highly motivated, analytical, and articulate individual to join its credit team. NexBank has a strong credit culture and places a high value on the work contributed by its Analysts. The Credit Department provides an important role in loan approval process for both new and existing relationships. Credit Officers and Analysts are also responsible for monitoring the financial performance of a portfolio of existing clients on a quarterly basis. Each Analyst gets experience in each of NexBank’s lending areas including commercial lending, real estate lending, specialty financing, and mortgage banking.
The Position will report directly to the Senior Credit Officer, and will work closely with Senior Management, including the Chief Credit Officer, Chief Operating Officer and Loan Officers. The position is located in Dallas, Texas. Strong excel and financial modeling skills is highly desired.
- Assist senior department members, including the Chief Credit Officer, with analysis of new and existing commercial loans including determining appropriate risk-based pricing, leverage levels, borrower and industry financial analysis, and risk analysis by analyzing financial data from borrowers for new and existing loans, including such data as financial statements, tax returns, personal financial statements, financial projections, business plans and information provided by credit bureaus and other financial institutions;
- Monitor financial performance on collateral underlying loans including commercial real estate, high yield debt, and large mortgage-backed lines of credit;
- Prepare memorandums and summaries regarding loan requests from borrowers which are used in the approval decision at loan committee meetings; and
- Drive a strong credit culture within the organization through attention to detail, thoughtful questioning of salient deal points, and market research.