Credit Analyst

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We’re always looking for bright individuals to join our growing organization. As a part of the First Financial Family, we will invest in your development and provide a dynamic work environment where you’re challenged, valued and empowered every day. We strive to be the best destination for the industry’s top talent, creating a diverse, collaborative workplace that celebrates innovation and change. We are one team, working together to get things done.

Job Description:

Office Location:

Abilene, Texas, United States

SCOPE/CONTACTS:   

The Incumbent will enter the Professional Lending Development Program as a Credit Analyst.  This position has extensive contact with the company's lending and loan support staff and has moderate customer contact with potential borrowing customers. The incumbent must have the ability to express his/her self in a clear and concise manner.  Under the general direction of the Credit Supervisor, the incumbent evaluates complex commercial and consumer loans and commitments.  These evaluations include interviews with potential borrowing customers, assessments of the borrower's financial condition, the borrower's performance, administration of the loan officer, the sufficiency of documentation, and compliance with Bank policy and regulatory requirements.  

ESSENTIAL FUNCTIONS:

• The incumbent is responsible for preparing comprehensive risk analyses of complex loans and commitments. 

MINIMUM QUALIFICATIONS: 

• Accounting, finance or business degree with a minimum of 9 hours of accounting classes (preferred Intermediate Accounting I & II) required. 
• Demonstrated above average written and oral communication skills. 
• Ability to logically organize and interpret information from multiple sources. 
• Ability to analyze complex financial statements.
• Ability to use personal discretion in time management and workload management with minimal supervision.
• Working knowledge of commercial bank operations and lending is preferred. 
• Demonstrated ability and willingness to determine a course of action and carry it out.
• Demonstrated leadership abilities, dependability and thoroughness in meeting responsibilities, and willingness to seek out and accept responsibilities. 
• Must be familiar with PCs and PC software, specifically Excel and Word.

The above statements reflect the general details considered necessary to decide the principal functions of the job identified and shall not be construed as a detailed description of all work requirements that may be inherent in the job.

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)