Senior Credit Analyst - Heights

Allegiance Bank Houston, TX
1. Assists loan officers in performing pre-qualification assessment and analysis of financial condition and risk of financing requests within

framework of Bank credit culture and current economic and industry trends.

2. Assists loan officers in gathering data from customers, internal and outside sources; prepares spreadsheets and

analyzes financial information including financial statements and tax returns; contacts customers for additional

information and clarification of data.

3. Compiles data from credit bureaus, conducts industry peer comparisons, and performs cash flow analyses and other

such tasks and comparisons.

4. Writes financial reviews and reports; makes recommendation on loan structures and terms to loan officers.

5. Assists loan officers in Coordinating processing of approved loans; ensures loans are processed according to

agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation

from customers; solves problems relative to processing and servicing of loans.

6. Informs loan officers when up-to-date financial statements are needed for commercial accounts; ensures credit

inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are


7. Assist loan officers in the review and renewal of credit facilities; provides back-up support.

8. Checks pledged assets as requested by loan officers.

9. Assists with on-going computerization of the loan review function.

10. Assists loan officers in verification of funds with mortgage companies and contractors.

11. Develops knowledge of financial industry, economy, market conditions, rates, vendors and competition.

12. May represent the Bank in various community, civic, and community reinvestment functions to further enhance the bank's image and develop additional business.

13. Reinforces the application of superior customer service through his or her own example along with appropriate follow

through with involved customers and employees.

14. Assists in providing deposit and loan account ratings for loan officers.

15. Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all

possible precautionary actions or measures are taken.

16. Makes Loan presentations when needed as well as make joint calls with lenders on customers and prospects.

17. Tracks and monitors credit exceptions.

18. Prepares write ups for committee loan packages.

19. Performs loan pricing analysis.

20. Monitors and tracks financial reporting and other loan covenants.

21. Analyzes accounts receivable/inventory and borrowing bases for compliance.

22. Performs tax to cash analysis by reviewing personal and partnership tax returns.

23. Operates personal computer to obtain and process data.

24. Answers telephones, answers questions and directs callers to proper Bank personnel.

25. Treats people with respect; keeps commitments; Inspires the trust of others; works ethically

and with integrity; upholds organizational values; accepts responsibility for own actions.

26. Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences;

educates others on the value of diversity; promotes working environment free of harassment of any type; builds a

diverse workforce and supports affirmative action.

27. Follows policies and procedures; completes administrative tasks correctly and on time; supports the Bank's goals and

values; benefits the bank through outside activities.

28. Performs the position safely, without endangering the health or safety to themselves or others and will be expected to

report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all

rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one's own actions and