• Credit Analyst Manager

    Job Locations US-TX-Houston
    Req #
    2018-7678
    Type
    Full-Time
    Category
    Credit Analysis & Underwriting
    Location Name
    Houston, TX - Richmond Avenue
    Availability
    Monday-Friday 8:00am-5:00pm
    Company Name
    PlainsCapital Bank
  • Job Summary

    The Credit Analyst Manager is responsible for managing a team of Credit Analysts that perform full-service credit analysis and loan monitoring to Loan Officers. Manages assigned staff to perform analysis of a variety of loan types (CRE, C&I, Ag, land development, etc) and complexity by accurately identifying strengths and weaknesses, providing recommendations, and noting any deviations from the Commercial Loan Policy as appropriate. Ensures that work is assigned and completed accurately and on time in order to meet the needs of the Loan Officers.

     

     

    Essential Functions

    1. Manages team of Credit Analysts. Responsible for the day to day supervision of assigned staff including, but not limited to, interviewing, hiring, training, assigning and directing work, coaching and counseling, and performance reviews.
    2. Reviews and assists with initial assessments prepared by Credit Analysts to ensure proper analysis of primary and secondary repayment source along with identification of strengths and weaknesses as pertaining to borrower’s historical operating performance.
    3. Through a team of Credit Analysts, ensures written analyses are provided in a professional and accurate manner to include the following:
      • credit investigation of the borrower and guarantors;
      • economic and market conditions as they relate to the company, industry, and market area;
      • in-depth historical financial analysis, including communicating with the borrower’s accountant to gain a better understanding of the company’s accounting practices;
      • in-depth projection financial analysis, including the performance of “what if” scenarios that test the reasonableness of the projections;
      • in-depth analysis of the secondary sources of repayment such as collateral;
      • in-depth analysis of a guarantor’s financial position.
      • strengths and weaknesses
    4. Attends Loan Committee to be available to answer questions regarding credit analysis as necessary; may assist with presenting the loan request to the committee.
    5. Participates in customer meetings as requested by officers (may require travel at times).
    6. May review real estate appraisal reviews prepared by Credit Analysts for lenders.
    7. Oversees vehicle floor plan inspections, including reported findings for lending management.
    8. Ensures processing of and established accountability to Commercial Loan Agreement requirements/covenants.
    9. May monitor periodic inspections pertaining to real estate construction projects – loan advances versus project completion.
    10. Other duties as required.

     

    Job Requirements

    • Bachelor’s degree in Business related field required. Strong preference for Finance or Accounting major or concentration.
    • 7 or more years’ experience in commercial banking credit analysis and at least 2 years of supervisory experience.
    • Completion of a formal Credit Training program at a large bank is strongly preferred.
    • Proven ability to build, motivate and manage a team.
    • Excellent verbal, written and interpersonal communication skills.
    • Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems.
    • Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment.
    • Must be self-motivated with strong initiative, accountability, and attention to detail.

     

    About the Company

    At PlainsCapital Bank, we’ve always had a trailblazing spirit. PlainsCapital Bank was founded in 1988 by current Chairman Alan B. White and a group of young bankers who dreamed of bringing relationship banking to their hometown of Lubbock, Texas. With the acquisition of Plains National Bank, a Lubbock financial institution with one branch and $198.8 million, they began growing the bank one relationship at a time.

     

    Today, PlainsCapital Bank is one of the largest banks in Texas based on deposit market share. We have a statewide presence with more than 60 locations in all major Texas markets. We are a strong and stable financial institution and a trusted community partner. We take pride in helping our customers blaze trails of their own, whether launching or expanding a business, raising a family, or moving into retirement. Our diverse range of services includes commercial banking, treasury management, private banking, and wealth management, as well as consumer banking.      

     

    To learn more, please visit us online at plainscapital.com/about.

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