Credit Analyst

ESSENTIAL DUTIES AND RESPONSIBILITIES: 

Includes the following: Other duties may be assigned.

Employee is responsible to understand and comply with regulatory requirements for financial transactions, most specifically Bank Secrecy Act (BSA) and Customer Identification Program (CIP) as it relates to specific job functions.

Exhibits superior customer service as an Austin Bank team member.   Demonstrates high quality relationship building techniques to ensure the customer receives the best possible solution to his banking and financial needs.  Helps promote a loyal relationship between the customer and Austin bank.

Participates in developing a teamwork atmosphere with co-workers as part of department/branch location by attending meetings, participating in discussions, treating co-workers with respect and courtesy, and contributing to departmental goals.

Has a responsibility to stay abreast of company communications by reading publications, announcements  and company e-mails, etc.    Takes advantage of appropriate communication channels regarding bank related business matters.   

Develop personal skills and capabilities through on-going training, as provided by the company or elsewhere subject to Company approval. 

Uphold and safeguard the organizations values particularly relating to ethics, integrity,  and confidentiality both internally and externally

Greets customers and provides superior customer service.

Prepares Credit Analysis which includes analysis of borrower and guarantor financial statements, cash flows, company history, competition, industry/market, borrowing relationship, etc.  Analysis may be for approval, recommendation, or annual review.

The following is a list of responsibilities that are a part of the analysis process:

• Reviews the credit file and any information from the loan officer.


• Prepares financial statement spreads, cash flows, Loan Memo and detailed Credit Analysis which includes an analysis of the company and individuals financial statements and cash flows.


• Develops a list of questions and information needs for the loan officer.


• Researches industry information and RMA comparisons.


• Reviews loan agreements, and loan policy for compliance.


• Sends completed packages for review.


• Distributes loan package to Committee Members upon approval from the Chief Credit Officer or Chief Lending Officer.

Attends Loan Committee meetings.

Ensures work is accurately/precisely performed utilizing accounting principles and business finance standards along with Bank policies and procedures. 

Performs job responsibilities without close supervision. 

Handles multiple tasks. 

Reports to work regularly and promptly.

Maintains confidentiality at all times.

Provides superior customer service.

Maintains established department and Bank policies, procedures and objectives and quality assurance.

Enhances professional growth and development through participation in in-service meetings, current literature, etc.