Credit Analyst II (Finance)

Imagine working somewhere that offers more than a steady paycheck; a place where you have ownership, employees are celebrated and growth is encouraged, both personally and professionally. At Guaranty Bank & Trust, we improve the financial well-being of our customers while delivering a "Raving Fans" experience, both for customers and employees.  

Our Company'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.  You'll be able to help contribute to this by:

Job Duties:

• Monitors and tests compliance with loan covenants and conditions, prepares borrowing bases and assists in draw processing for a lending relationship.
• Uses a thorough understanding of the Bank'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.
• 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.
• Participates in individual and collaborative training/skills assignments, meeting milestones on a career development plan while communicating other training needs to management.
• Provide mentorship and coaching to Credit Analyst I and II within the market
• Create and distribute job-related managerial reports.
• Comply with all federal, state and local regulatory rules and regulations governing financial institutions, as well as all company policies and procedures.
• Complete and pass all required credit and regulatory compliance training as assigned.
• Participate in special lending-related projects and meetings as directed.
• Assist in training new employees and answer co-worker questions.
• Complying with privacy policies and procedures to maintain customer confidentiality and information protection
• Perform any additional duties and tasks assigned by management

Qualifications & Skills:

• Ability to work collaboratively and effectively communicate with multiple internal/external stakeholders in an ambiguous, fast-paced team-first environment.
• Ability to logically organize and interpret information from multiple sources, identifying irregularities and trends.
• Strong written and verbal communication and presentation skills.
• Travel to business locations will be required.

Education, Experience & Licenses:

• Bachelor's degree (finance, accounting, or related field).
• Minimum of 1.5+ years previous experience in credit analysis or other financial analysis functions.
• Minimum of 1.5+ years' previous experience with data collection methodologies.
• Corporate credit training program or credit analysis certification preferred.  

**Work Location: On-Site**

Experience

Preferred

• 2 year(s): A minimum of 1.5+ years' previous experience with data collection methodologies.
• 2 year(s): A minimum of 1.5+ years previous experience in credit analysis or other financial analysis functions.

Education

Required

• Bachelors or better in Finance or related field

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

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