Lead Credit Analyst- Downtown, Sulphur Springs, TX

The Lead Credit Analyst will oversee the credit analysis function, ensuring the timely and accurate evaluation of loan applications and creditworthiness of potential borrowers. This role involves leading a team of credit analysts, developing credit policies, and collaborating with other departments to enhance the bank's lending processes while maintaining compliance with regulatory standards.

Supervisory Responsibilities:

• Supervises and manages credit support staff as assigned.
• Maintains sufficient, skilled bank staff by scheduling appropriate employees and providing ongoing training and cross-training opportunities.
• Collaborates with other Management to conduct performance evaluations that are timely and constructive.

Duties/Responsibilities:

• Receives from management and lenders request for; special projects, loan review, financial analysis, underwriting analysis and drafting of loan request packets.
• Maintains a work log for request from management and lenders to assist in the credit analysis process and ensure timely completion of request.
• Assigns task (loan review, analysis, loan request packets, special projects) to Credit Analyst 
• Reviews and checks work performed by Analyst for accuracy. 
• Designs and generates tracking and monitoring reports for bank management and the Board of Directors
• Responsible for tracking and reporting to officers and management, the various levels of financial reporting required by loan policy.
• Responsible for implementing and maintaining an ongoing training program for Credit Analyst
• Performs other related duties as assigned. 

Required Skills/Abilities: 

• Excellent verbal and written communication skills. 
• Proficient in Microsoft Office Suite or related software, as well as analysis software. 
• Basic understanding of relevant equipment, policies, procedures and strategies used in credit analysis.
• Ability to develop an in-depth understanding of the Bank’s Loan Policy and generally accepted credit practices and compare these to credit request presented to the bank’s Loan Committees.
• Ability to identify discrepancies and problems.

Education and Experience:

• Bachelor’s degree in Accounting, Economics, Finance, Statistics, or Mathematics or equivalent experience required. 
• Two or more year’s experience in loan credit analysis in a banking environment 
• Superior knowledge of analyzing financial statements and tax returns in a banking environment 
• Knowledge and comprehension of banking regulations applicable to loans
• One year’s experience designing and programming loan tracking reports

Physical Requirements: 

• Prolonged periods sitting at a desk and working on a computer.
• Must be able to lift up to 15 pounds at times. 

Benefits: 

• 401k matching
• Medical insurance
• Dental insurance
• Group Term and Voluntary Term Life insurance 
• Paid Time Off
• H.S.A. Contributions (based on eligibility)
• Tuition Reimbursement (based on eligibility)
• Typical hours are Monday through Friday 8am to 5pm