credit review analyst

Chinmay Finlease Limited

<p><b>Job Title: Credit Analyst</b></p><p><b>Experience: 1-3 yr</b></p><p><b>Job Summary:</b></p><p>As a Credit Analyst, you will be responsible for evaluating the creditworthiness of individuals</p><p>applying for loans. You will assess financial information such as income statements, and</p><p>credit reports to determine the risk involved in extending credit to the applicant. You will</p><p>analyze the information provided by the borrower to determine if the loan is suitable for the</p><p>applicant and if the applicant is suitable for the loan. You will also review loan agreements</p><p>to ensure that the terms and conditions of the loan are appropriate.</p><p><b>Key Responsibilities:</b></p><ul><li>Collect and analyze financial data of applicants to determine their creditworthiness</li><li>Evaluate credit risk, develop credit profiles, and recommend appropriate credit limits</li><li>Analyze financial statements, credit reports, and other relevant information to</li><li>Determine the creditworthiness of potential borrowers</li><li>Verify the accuracy of financial data and ensure that all financial statements comply</li><li>with relevant regulations</li><li>Assess the borrower's ability to pay back the loan by reviewing the borrower's</li><li>Financial history, credit score, and other financial data</li><li>Communicate with borrowers to obtain additional financial information or to discuss their credit status</li><li>Monitor borrowers' creditworthiness and financial performance over time to assess credit risk and identify potential problems</li><li>Work closely with loan officers to ensure timely processing of loan applications</li><li>Keep up-to-date with changes in lending practices, regulations, and credit risk assessment tools</li></ul><p><b>Requirements:</b></p><ul><li>Bachelor's degree in finance, accounting, or a related field</li><li>Strong analytical skills, including the ability to analyze financial statements and credit</li><li>reports</li><li>Knowledge of lending practices, credit risk assessment tools, and regulatory</li><li>compliance</li><li>Excellent communication skills, including the ability to communicate complex</li><li>Financial information to non-financial stakeholders</li><li>Strong attention to detail and the ability to work independently</li><li>Proficiency in Microsoft Office, including Excel, Word, and PowerPoint.</li><li>Ability to work well under pressure and meet tight deadlines</li></ul><p>Job Types: Full-time, Permanent</p><p>Pay: ₹30,000.00 - ₹40,000.00 per month</p><p>Benefits:</p><ul><li>Flexible schedule</li><li>Health insurance</li><li>Leave encashment</li><li>Paid sick time</li><li>Paid time off</li><li>Provident Fund</li></ul><p>Experience:</p><ul><li>total work: 1 year (Required)</li></ul><p>Work Location: In person</p>

Credit Analyst

Avery Dennison

<div>
 <p>
  <strong>
   Avery Dennison Corporation
  </strong>
  (NYSE: AVY) is a global materials science and digital identification solutions company. We are Making Possible&trade; products and solutions that help advance the industries we serve, providing branding and information solutions that optimize labor and supply chain efficiency, reduce waste, advance sustainability, circularity and transparency, and better connect brands and consumers. We design and develop labeling and functional materials, radio-frequency identification (RFID) inlays and tags, software applications that connect the physical and digital, and offerings that enhance branded packaging and carry or display information that improves the customer experience. Serving industries worldwide &mdash; including home and personal care, apparel, general retail, e-commerce, logistics, food and grocery, pharmaceuticals and automotive &mdash; we employ approximately 35,000 employees in more than 50 countries. Our reported sales in 2024 were $8.8 billion. Learn more at www.averydennison.com.
 </p>
 <p>
  <br/>
 </p>
 <p>
  Avery Dennison is an equal opportunity employer.
 </p>
 <p>
  <br/>
 </p>
 <p>
  Please let us know if we can support you with reasonable accommodations throughout the application process by contacting our team via Requestaccomodation@eu.averydennison.com.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   <em>
    We do not accept unsolicited referrals or resumes from any source other than directly from candidates
   </em>
  </strong>
  .
 </p>
 <p>
  <strong>
   <u>
    *
   </u>
   <em>
    <u>
     We are unable to offer sponsorship or relocation for this role
    </u>
   </em>
   <u>
    *
   </u>
  </strong>
 </p>
 <p>
  <strong>
   <em>
    *This role is subject to right-to-work checks as per local employment laws*
   </em>
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Job Description
  </strong>
 </p>
 <p>
  The full-time position of the
  <strong>
   Credit Analyst
  </strong>
  is responsible for the investigation and analysis of credit risks, working within guidelines established by the organisation. You will be working from our
  <strong>
   office in Samand&inodot;ra, Istanbul
  </strong>
  .
 </p>
 <ul>
  <li>
   Review and analyze credit applications and risks.
  </li>
  <li>
   Through research and analysis, report and annotate findings and make decisions as needed.
  </li>
  <li>
   Review and disposition credit decisions inside and outside system recommendations using grid and bureau information.
  </li>
  <li>
   Oversee payment systems, including cheque processing, Direct Debit operations, and customer bank transfers.
  </li>
  <li>
   Follow up of the accounts and take actions for past-due customers
  </li>
  <li>
   Review and release customer orders on credit hold in the order processing system.
  </li>
  <li>
   Review new accounts for creditworthiness.
  </li>
  <li>
   Make recommendations for credit limits on new increases and credit lines on existing accounts.
  </li>
  <li>
   Prepare regular credit related reports for dissemination to applicable Finance or Accounting departments.
  </li>
  <li>
   Report preparation (weekly / monthly / quarterly / yearly).
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Qualifications
  </strong>
 </p>
 <p>
  The ideal candidate should have the following qualifications:
 </p>
 <ul>
  <li>
   Bachelor&rsquo;s degree in Finance, Accounting or related field required.
  </li>
  <li>
   At least minimum
   <strong>
    4-5 years
   </strong>
   credit or related experience.
  </li>
  <li>
   <strong>
    Fluency in English is a MUST
   </strong>
   . French language knowledge is preferable.
  </li>
  <li>
   Ability to establish and maintain good client relationships, both internally and externally at all levels.
  </li>
  <li>
   Ability to reconcile complex accounts and have excellent attention to detail.
  </li>
  <li>
   Competence in Microsoft Office products
   <strong>
    (proficiency in xls is a must)
   </strong>
   and accounting software programs like ORACLE.
  </li>
  <li>
   Knows and applies the fundamental concepts, practices and procedures of credit analysis.
  </li>
  <li>
   Strong math and credit analytical skills.
  </li>
 </ul>
 <p>
  <strong>
   *No military obligation for male candidates.*
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   What we can offer:
  </strong>
 </p>
 <ul>
  <li>
   Flexible working hours
  </li>
  <li>
   Attractive salary package
  </li>
  <li>
   Workplace &amp; work hours flexibility
  </li>
  <li>
   Structured learning and development / Mentoring program
  </li>
  <li>
   International environment
  </li>
  <li>
   Events like International Women&rsquo;s Day, Earth Day, etc.
  </li>
  <li>
   A growing and welcoming team with a good spirit!
  </li>
 </ul>
 <p>
  <strong>
   Who we are! - Our Story:
  </strong>
 </p>
 <p>
  <strong>
   Every voice. Every day!
   <u>
    Eight Values
   </u>
   . One Team!
  </strong>
 </p>
 <p>
  Being open to every voice, every day, brings our value of diversity to life and makes Avery Dennison a vibrant and engaging place to be. We understand diversity and equal opportunities as enrichment for our future-oriented work. Across our diverse, global team, every voice makes us stronger. When we listen to and learn from each other, there is no limit to what we can achieve together. Each of us is unique, and we appreciate bringing together different personalities and talents.
 </p>
 <p>
  Avery Dennison is an equal-opportunity employer. In the
  <strong>
   EMEA region
  </strong>
  , we have these
  <strong>
   Employee Resource Groups
  </strong>
  :
 </p>
 <ul>
  <li>
   <strong>
    EmpoWer
   </strong>
   - focusing on the engagement, mentoring, and promotion of women
  </li>
  <li>
   <strong>
    Mental Health
   </strong>
   - striving to provide a safe space for employees to discuss mental health issues in the workplace
  </li>
  <li>
   <strong>
    Unite
   </strong>
   - supporting the LGBTQI+ and ally community in the EMEA region
  </li>
 </ul>
 <p>
  To find out more about
  <strong>
   all our employee resources groups globally
  </strong>
  as well as our
  <strong>
   Diversity, Equity &amp; Inclusion
  </strong>
  approach, please go to our Diversity and Inclusion pages in the About Us section of our website:
  <u>
   https://www.averydennison.com/en/home/about-us/diversity-and-inclusion.html
  </u>
 </p>
 <p>
  At Avery Dennison, we do what we love, and we love what we do - Just click here, and get to know us better:
  <strong>
   Life @ Avery Dennison
  </strong>
  (
  <u>
   linkedin.com/company/avery-dennison/life/emea
  </u>
  )
 </p>
</div>


Lansing Building Products

Lansing Building Products has supplied professional contractors with high-quality building products since its founding in 1955. Led by third generation President & CEO Hunter Lansing, we remain true to the family values and mission of Respect, Service and Excellence in everything we do. A certified Great Place To Work™, Lansing has nearly 2,000 associates in 112 branches serving customers in 35 states along with Home Office locations in Richmond, VA and Waltham, MA. We exist to make a positive impact in people’s lives and are focused on delivering a best-in-class experience to our associates and our customers.
<br><br>
Credit Analyst
<br>The Credit Analyst is responsible for processing/decisioning on credit applications and resolving credit-related issues through addressing incoming phone calls and emails from Lansing branch Associates and customers. Account maintenance is performed as needed to include sales change updates, address changes and account merge/close.
<br>Essential Functions
<br>Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
<br><ul>
<li>Review credit applications for accuracy.</li>
<li>Pull credit reports, request supplier references, and gather needed information from Sales Associates to facilitate credit limit decisioning.</li>
<li>Independently determine the appropriate credit limit for submitted applications and rechecks on existing customer accounts up to $50k approval level.</li>
<li>Handle incoming phone calls and emails from Lansing Associates and Customers to accept payments and resolve credit-related issues. Involves decision-making on managing past due accounts, responding to billing questions, and reconciliation of accounting records with customers.</li>
<li>Perform account set-up in an accurate manner.</li>
<li>Responsible for account maintenance requested from Sales Associates and Customers.</li>
<li>Other duties assigned.</li>
</ul>
Qualifications
<br><ul>
<li>Ability to handle high transaction volume.</li>
<li>Ability to manage multiple tasks and meet deadlines.</li>
<li>Ability to work with a strong attention to detail.</li>
<li>Strong problem solving/decision-making skills.</li>
<li>Strong customer focus.</li>
<li>Ability to work effectively in a team environment.</li>
<li>Ability to reconcile accounting records.</li>
<li>Communication Proficiency.</li>
<li>Basic proficiency with Excel and Word.</li>
</ul>
Supervisory Responsibility
<br>This position has no supervisory responsibilities.
<br>Work Environment
<br>This job operates in a professional office environment.
<br>Physical Demands
<br>This is largely a sedentary role, requiring use of typical office equipment such as a computer, phone, copier, check scanner, etc.
<br>Position Type and Expected Hours of Work
<br>This is a full-time position. Normal days and hours of work are Monday through Friday, 8 a.m. to 5 p.m. in office. As a salaried position overtime may occasionally be necessary.
<br>Travel
<br>Very limited travel is expected for this position for potential physical inventory or customer related events.
<br>Required Education and Experience
<br><ul>
<li>High school diploma.</li>
<li>2 years related experience.</li>
<li>Bachelor's degree is a plus, but not required.</li>
</ul>
ALJ123
<br>#LI-KW1
<br><br>
<b>A Career with Lansing Building Products offers:</b><br>
<ul>
<li>Coverage to support your overall well-being: Medical, Dental, Vision, HSA with company contributions, Health Advocate and EAP</li>
<li>Investment in your future: Competitive 401k, Employer Match of 50% up to 15% of salary</li>
<li>Culture: Great Place to Work Certified every year since 2019</li>
<li>Work/Life Balance: Paid Vacation & Sick Days</li>
<li>Growth/Development: Tuition Reimbursement & Training Programs</li>
</ul>
<b>Other Added Benefits:</b><br>
<ul>
<li>Company Paid Parental Leave</li>
<li>Company Paid Life Insurance</li>
<li>Short Term & Long-Term Disability</li>
<li>Paid Holidays</li>
<li>Health and Wellness program</li>
<li>Volunteer Time</li>
</ul>
Lansing Building Products is proud to be an equal opportunity workplace committed to building a diverse team of qualified individuals.

Innotech Creditsea Platforms Private Limited

<p>Company: CreditSea</p><p>About Us:</p><p>CreditSea is a fintech platform providing quick, transparent, and reliable loan solutions to individuals in need. We focus on customer-centric lending with strong risk and credit practices.</p><p>Role Overview:</p><p>We are hiring a Credit Analyst to assess loan applications, analyze credit risk, and support responsible lending decisions. The role involves working closely with risk and underwriting teams.</p><p>Key Responsibilities:</p><ul><li>Evaluate loan applications and credit reports</li><li>Analyze financial data and assess credit risk</li><li>Prepare credit recommendations and reports</li><li>Monitor loan performance and ensure policy compliance</li></ul><p>Requirements:</p><ul><li>Bachelor&rsquo;s degree in Finance, Economics, Accounting, or related field</li><li>Strong analytical and decision-making skills</li><li>Prior experience in credit analysis preferred</li></ul><p>Job Type: Full-time</p><p>Work Location: In person</p><p>Job Types: Full-time, Permanent</p><p>Pay: ₹18,000.00 - ₹22,000.00 per month</p><p>Benefits:</p><ul><li>Cell phone reimbursement</li><li>Leave encashment</li><li>Paid sick time</li></ul><p>Work Location: In person</p>

HAWTHORN BANK

SUMMARY
<br>This position is responsible for analyzing the financial data of new and existing commercial loans, monitoring current loan risk, collateral, and preparing credit reviews. Work is performed within the framework of standard operating policies and procedures; however, independent judgment and discretion is required in performing assigned tasks. Deviations from normal procedures and/or questions are referred to the designated supervisor.
<br><br>
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.
<br>Analyze new and existing commercial credit files (e.g., enter data into database and/or spreadsheet computer applications; generate reports; collate data from reports; review balance sheet, income statement, etc. and calculate ratios in preparing credit review; submit review for commercial banker’s review and modification; prepare final comments and make decisions regarding assignment of loan rating; sign and archive credit review with loan file).
<br><br>
Maintain credit files consistent with credit policy and integrity of the bank’s data systems; perform documentation reviews.
<br><br>
Monitor, review, and analyze commercial financial reports for compliance with loan covenants; monitor credit risk for new and existing loans through inspection and observation.
<br><br>
Review commercial appraisal and evaluations in accordance with credit policy.
<br><br>
Prepare commercial real estate evaluations according to the bank’s methodologies and best practices.
<br><br>
Create and run queries; conduct industry research and analysis.
<br><br>
Prepare forms, reports, correspondence, memoranda, etc.; answer calls and provide assistance to customers. Perform project work, as assigned.
<br><br>
Comply with all banking regulations, policies, and procedures.
<br><br>
NON-ESSENTIAL DUTIES & RESPONSIBILITIES include the following. Other duties may be assigned.
<br>Maintain educational and professional expertise through attendance at job related seminars, conferences, and workshops. Represent the bank in a variety of community activities and functions. Participate in prospect and customer marketing calls and banker meetings.
<br><br>
SUPERVISORY RESPONSIBILITIES
<br>None.
<br><br>
QUALIFICATIONS
<br>To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
<br><br>
EDUCATION and/or EXPERIENCE
<br>Possess a four-year college degree from an accredited university or institution with a major area of study in accounting, finance, business administration or other closely related discipline. Work experience and/or college coursework can be substituted for a four-year college degree.
<br><br>
Possess a minimum of one year of professional work experience as a credit analyst or closely related field.
<br><br>
LANGUAGE SKILLS
<br>Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of the organization. Strong oral and written communication skills.
<br><br>
MATHEMATICAL SKILLS
<br>Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs. Excellent financial and accounting analytic skills.
<br><br>
REASONING ABILITY
<br>Ability to apply common sense understanding to carry out detailed but uninvolved written or oral instructions. Ability to deal with problems involving a few concrete variables in standardized situations.
<br><br>
OTHER SKILLS AND ABILITIES
<br><b>Must have the ability to operate the following equipment:</b> telephone, 10-key calculator, typewriter, personal computer and printer, copy machine, fax machine. Must be proficient in Word, Excel, and Outlook. Experience with financial modeling. Advanced PC knowledge.
<br><br>
KEY CONTACTS--Internal and External
<br>Has frequent contact with individuals within the lending department, senior management, and customers.
<br><br>
CERTIFICATES, LICENSES, REGISTRATIONS
<br>Valid driver’s license.
<br><br>
PHYSICAL DEMANDS
<br>The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
<br><br>
While performing the duties of this job, the employee is regularly required to use hands to finger, handle, or feel and talk or hear. The employee frequently is required to sit and reach with hands and arms. The employee is occasionally required to stand; walk; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus.
<br><br>
WORK ENVIRONMENT
<br>The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
<br><br>
The noise level in the work environment is usually moderate.
<br><br>
COMMENTS
<br>Position requires the ability to work before or after normal business hours to meet deadlines and attend various meetings. Job-related travel may be required.

CREDIT ANALYST I

Guaranty Bank & Trust (TX)

<div>About the Role:
<div>
Our Company&rsquo;s culture supports customers in achieving their financial goals and dreams. You serve as a vital role in the commercial lending process, responsible for conducting high-level analyses on commercial/business loans. Will work closely with Commercial Lenders to prepare loan presentations for the Loan Committee: Identify proposed loan terms and determine if request meets bank policy.</div><div></div><div><br>
At Guaranty Bank &amp; Trust, we are passionate about helping others and our communities. We strive to stand out and be different, and as a result, our business is growing fast!</div><div>
Guaranty Bank &amp; Trust offers competitive pay and benefits, generous time off, continued training and career development. Do you want to work for a respected financial institution who supports innovation, promotes collaboration, is environmentally responsible, technology driven, ethical, and is willing to invest in your career? If so, we should meet!</div><div></div><div><br>
We are currently searching for the right person to join our team as a <b>Full-Time Credit Analyst I.</b></div><div></div><div><b><br>
Job Duties:</b></div><ul><li>
Perform financial covenant calculations for compliance monitoring and exceptions required on customer within the bank.</li><li>
Manage required financial reporting, compliance certificates and other required reporting such as rent rolls, borrowing bases, and other loan agreement requirements for customers within the bank.</li><li>
Determine any violations within loan agreements for customers within the bank being monitored for credit committee.</li><li>
Performs financial analysis, complete annual review loan packages, and make recommendations on existing credits for risk grading and exposure limits.</li><li>
Perform regular loan portfolio reviews based on risk and/or size of all credit types (commercial, consumer, residential, equipment, Small Business Administration, mortgage, HELOC, participations, etc.) for asset quality, thorough and accurate documentation and compliance with relevant state and federal regulations.</li><li>
Determines credit worthiness by analyzing various commercial credit vehicles including financial statements (Balance Sheet, Income Statement, and Statement of Cash Flow), commercial credit bureau reports (Dun and Bradstreet, Experian &amp; Equifax), SEC Filings, bond ratings, grants, tax returns, letters of credit, and budgetary information.</li><li>
Review third party reports, cash flow analysis, credit strength, property characteristics and all other information pertinent to the credit decision process on each application.</li><li>
Monitors and tests compliance with loan covenants and conditions, prepares borrowing bases and assists in draw processing for a lending relationship.</li><li>
Uses a thorough understanding of the Bank&rsquo;s underwriting guidelines as well as analytical skills to produce basic to intermediate credit analysis for new extensions of credit, renewals of credit, annual reviews, modifications and other assignments.</li><li>
Prepares annual reviews for lending relationships by analyzing updated financial information along with current market/industry data to verify continuing credit worthiness of borrowers, recommending adjustments to the risk profile of the relationship accordingly.</li><li>
Assist with creating and distributing job related managerial reports.</li><li>
Comply with all federal, state and local regulatory rules and regulations governing financial institutions, as well as all Company policies and procedures.</li><li>
Complete and pass all required regulatory compliance training as assigned.</li><li>
Participate in special lending-related projects and meetings as directed.</li><li>
Perform any additional duties and tasks assigned by management.</li></ul>
About You:
<div><b>
Qualifications</b><b> </b><b>&amp; Skills:</b></div><ul><li>
Intermediate Excel capabilities including macros, pivot tables and formulas</li><li>
Ability to use key performance metrics and data to provide insights and make strategic business recommendations</li><li>
Ability to organize, analyze and interpret data to explain complex irregularities or trends</li><li>
Strong communication and presentation skills</li><li>
Travel to business locations will be required.</li><li>
Ability to work/office at one of the following locations:<ul><li>
Fort Worth, TX on East 15th Street</li><li>
Denton, TX on West University Drive</li><li>
Addison, TX on the Dallas Parkway</li></ul></li></ul><div><b>
Work Schedule: </b>Monday-Friday from 8am to 5pm with a 1 hour lunch break.</div><div></div><div><b><br>
Education, Experience &amp; Licenses:</b></div><ul><li>
Bachelor's degree ( finance, accounting, or related field)</li><li>
Minimum 12 hours of college level accounting; including intermediate accounting I &amp; II required</li></ul>
What We Offer:
<div><b>
COMPENSATION &amp; BENEFITS:</b> Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance. Coverage is available to employees and their eligible dependents in accordance with our written plan documents. You may also be eligible for a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a retirement savings plan, including 401(k) and Profit-Sharing plans, short and long-term disability benefits, education and training benefits, and discounts on banking products and services. We also offer a generous Paid Time Off (PTO) plan and paid holidays. PTO accruals begin at .0745 per hour worked for our part time employees up to a maximum accrual of 240 hours per year for certain Full-Time employees. PTO accruals are dependent on position, status (Full time or Part time), and years of experience in accordance with our PTO policy. Most Full-Time employees are also offered 6 paid holidays and Part Time employees are offered pro-rated paid holidays. In addition, employees in Utah and Nevada may be eligible for pay for certain state recognized holidays. Visit our website for more details. Check it out!</div><div></div><div><b><i><br>
We are an Equal Opportunity Employer and qualified applicants, or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state, or local laws.</i></b></div><div></div><div><b><i><br>
Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.</i></b></div><div></div><div><b><i><br>
No Recruiters or unsolicited agency referrals please.</i></b></div></div>

Credit Analyst I

<div>About the Role:
<div>
Our Company&rsquo;s culture supports customers in achieving their financial goals and dreams. You serve as a vital role in the commercial lending process, responsible for conducting high-level analyses on commercial/business loans. Will work closely with Commercial Lenders to prepare loan presentations for the Loan Committee: Identify proposed loan terms and determine if request meets bank policy.</div><div></div><div><br>
At Guaranty Bank &amp; Trust, we are passionate about helping others and our communities. We strive to stand out and be different, and as a result, our business is growing fast!</div><div>
Guaranty Bank &amp; Trust offers competitive pay and benefits, generous time off, continued training and career development. Do you want to work for a respected financial institution who supports innovation, promotes collaboration, is environmentally responsible, technology driven, ethical, and is willing to invest in your career? If so, we should meet!</div><div></div><div><br>
We are currently searching for the right person to join our team as a <b>Full-Time Credit Analyst I.</b></div><div></div><div><b><br>
Job Duties:</b></div><ul><li>
Perform financial covenant calculations for compliance monitoring and exceptions required on customer within the bank.</li><li>
Manage required financial reporting, compliance certificates and other required reporting such as rent rolls, borrowing bases, and other loan agreement requirements for customers within the bank.</li><li>
Determine any violations within loan agreements for customers within the bank being monitored for credit committee.</li><li>
Performs financial analysis, complete annual review loan packages, and make recommendations on existing credits for risk grading and exposure limits.</li><li>
Perform regular loan portfolio reviews based on risk and/or size of all credit types (commercial, consumer, residential, equipment, Small Business Administration, mortgage, HELOC, participations, etc.) for asset quality, thorough and accurate documentation and compliance with relevant state and federal regulations.</li><li>
Determines credit worthiness by analyzing various commercial credit vehicles including financial statements (Balance Sheet, Income Statement, and Statement of Cash Flow), commercial credit bureau reports (Dun and Bradstreet, Experian &amp; Equifax), SEC Filings, bond ratings, grants, tax returns, letters of credit, and budgetary information.</li><li>
Review third party reports, cash flow analysis, credit strength, property characteristics and all other information pertinent to the credit decision process on each application.</li><li>
Monitors and tests compliance with loan covenants and conditions, prepares borrowing bases and assists in draw processing for a lending relationship.</li><li>
Uses a thorough understanding of the Bank&rsquo;s underwriting guidelines as well as analytical skills to produce basic to intermediate credit analysis for new extensions of credit, renewals of credit, annual reviews, modifications and other assignments.</li><li>
Prepares annual reviews for lending relationships by analyzing updated financial information along with current market/industry data to verify continuing credit worthiness of borrowers, recommending adjustments to the risk profile of the relationship accordingly.</li><li>
Assist with creating and distributing job related managerial reports.</li><li>
Comply with all federal, state and local regulatory rules and regulations governing financial institutions, as well as all Company policies and procedures.</li><li>
Complete and pass all required regulatory compliance training as assigned.</li><li>
Participate in special lending-related projects and meetings as directed.</li><li>
Perform any additional duties and tasks assigned by management.</li></ul>
About You:
<div><b>
Qualifications</b><b> </b><b>&amp; Skills:</b></div><ul><li>
Intermediate Excel capabilities including macros, pivot tables and formulas</li><li>
Ability to use key performance metrics and data to provide insights and make strategic business recommendations</li><li>
Ability to organize, analyze and interpret data to explain complex irregularities or trends</li><li>
Strong communication and presentation skills</li><li>
Travel to business locations will be required.</li><li>
Ability to work/office at one of the following locations:<ul><li>
Austin, TX on West 5th Street</li><li>
Austin, TX on the N Capital of Texas HWY</li></ul></li></ul><div><b>
Work Schedule: </b>Monday-Friday from 8am to 5pm with a 1 hour lunch break.</div><div></div><div><b><br>
Education, Experience &amp; Licenses:</b></div><ul><li>
Bachelor's degree ( finance, accounting, or related field)</li><li>
Minimum 12 hours of college level accounting; including intermediate accounting I &amp; II required</li></ul>
What We Offer:
<div><b>
COMPENSATION &amp; BENEFITS:</b> Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance. Coverage is available to employees and their eligible dependents in accordance with our written plan documents. You may also be eligible for a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a retirement savings plan, including 401(k) and Profit-Sharing plans, short and long-term disability benefits, education and training benefits, and discounts on banking products and services. We also offer a generous Paid Time Off (PTO) plan and paid holidays. PTO accruals begin at .0745 per hour worked for our part time employees up to a maximum accrual of 240 hours per year for certain Full-Time employees. PTO accruals are dependent on position, status (Full time or Part time), and years of experience in accordance with our PTO policy. Most Full-Time employees are also offered 6 paid holidays and Part Time employees are offered pro-rated paid holidays. In addition, employees in Utah and Nevada may be eligible for pay for certain state recognized holidays. Visit our website for more details. Check it out!</div><div></div><div><b><i><br>
We are an Equal Opportunity Employer and qualified applicants, or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state, or local laws.</i></b></div><div></div><div><b><i><br>
Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.</i></b></div><div></div><div><b><i><br>
No Recruiters or unsolicited agency referrals please.</i></b></div></div>

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