Capital Finance - Credit Analyst I
Dallas, TX 
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Posted 25 days ago
Job Description
Capital Finance - Credit Analyst I
Dallas, TX, USA Req #4377
Thursday, April 4, 2024

It starts with our culture ...

Common sense has never been common.

If it were, the world would be a different place. Things would run smoothly and on time. People would do what they say and say what they do. Everything would be fair, without all the small talk. And banks would only sell you what you need. When a banker looked at a client, they wouldn't just see a number, they'd see a dad or a mom or a graduate or a business owner. Our Bankers understand the complexities of people's lives and offer simple solutions.

That's the basics of Relationships. Fairness. Simplicity. When you choose our Company, you have an opportunity to make an impact beyond the walls of our buildings.

We have a long-standing commitment to Equity, Diversity and Inclusion. Through our banking relationships, investing, grants, and volunteerism, NBH Bank promotes the growth, revitalization and sustainability of the communities we serve. We believe that these are important elements in building and sustaining a successful organization and a positive, results-driven culture. We strive for all of our associates to feel welcome and empowered at work.

The responsibility of this position is managing specialized work efficiently, with confidence and competence. The position requires above average attention to details, concern for the exact correctness of work, and strong commitment to tasks completed on time. The person in this position will take work seriously, has a strong sense of duty, and is disciplined. A somewhat faster-than-average pace will be the norm for this position. Detailed, specialized work is the major focus. The person in this position will require clearly defined work, responsibilities, and reporting relationships, ongoing and thorough training opportunities to develop expertise and increase confidence, and frequently expressed appreciation of the person's competence, conscientiousness, and loyalty. The position will provide security in a stable work environment, allowing the person to plan for, focus on and complete tasks on hand. When changes in the nature of the work occur, the person in this position will need direction, training and support. The position will generally be task oriented, requiring someone with a conservative, careful, and cautious approach to work.

As a Specialty Banking Analyst l, you will underwrite loan presentations ensuring the overall success and growth of an assigned portfolio, including originations, annual reviews, amendments, risk rating assessments, financial spreads, financial modeling, among other duties. You will be responsible for a variety of tasks including preparing financial models for use in underwriting, supporting the management of profitable client relationships and work with other areas in the Bank including Credit Approval, Loan Operations and Executive Management. This position requires understanding and ability to critically analyze borrower financial statements using accounting and finance skills. Additionally, Specialty Banking Analyst l are expected to assist relationship managers with management of an existing portfolio of clients and monitor client relationship for compliance with credit standards through monthly portfolio monitoring. The position also requires the candidate to maintain a high level of analytical skills to ensure credit quality standards are met within the portfolio.

You will be asked to participate in community and business functions to ensure a positive image for the bank within the regions marketplace industry and industry specific groups, establishing referral contacts within both the community & specialty industry are an important part of the role. Finally, you will build a great rapport with clients and fellow associates and treat others with respect and consideration regardless of their status or position.

All associates are expected to maintain current knowledge and consistent compliance with regulations and bank policies and procedures related to the position, including but not limited to Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements.

Minimum Requirements: To be considered for this position, you must possess the following qualifications.

  • Bachelor's degree in accounting or finance or equivalent combination of education and experience.
  • 2+ years of relevant experience.
  • Strong business writing skills.
  • Self-starter personality with a passion to pursue further endeavors in the finance field.
  • Strong attention to detail.

Desired Qualifications: To be considered an ideal candidate, you should possess some of the following qualifications:

  • Master's degree in accounting or finance and/or certification in the field.
  • Experience in a specialized segment of financial services (i.e. Healthcare, Food/Agribusiness, Asset Based Lending, Government/Nonprofit, Restaurant/Franchise, or Equipment Finance).
  • 5+ years of relevant experience in specialty or commercial banking.
  • Completed formal credit training program.

Skills and Abilities: Below is a general list of desired skills and abilities; this is not an exhaustive list.

  • Strong Excel modeling skills.
  • Proficient in Microsoft PowerPoint and Word.
  • Provide strong credit knowledge.
  • Clearly and enthusiastically convey information and ideas in a manner that engages and persuades clients.
  • Well-developed and proven organizational skills with ability to utilize time efficiently.
  • Ability to make sound and timely decisions, to consistently deliver on commitments, and assume responsibility for results.

Work Environment:

We are a culture that believes that people are our greatest asset and are at the heart of everything we do. We take pride in bringing clarity and simplicity to our associates (employees) and clients. Our decisions are made efficiently, fairly, and locally. Our success is directly tied to the communities we serve. It is equally important for us to look through the lens of our applicants and associates to identify their individual needs. As such, we want to share the following:

  • Office setting with traditional hours.
  • Must be able to work at a rapid pace for long periods of time (typically no longer than 8 hours).
  • Must be able to work overtime to the extent necessary.
  • Must be able to work additional hours outside routine business hours to the extent necessary.
  • Must be able to travel - estimated at 10% of the time.

Benefits:

In addition to your financial compensation, we also offer a generous benefits package that includes insurance, 401k, an associate stock purchase program, paid time off, associate banking perks. For more information about the benefits offered .

If this is what you believe in, then you're definitely right for us. Consider making an investment in us, so that we may invest in you and your bright future.

Thank you for your application!
The Bank is committed to providing qualified applicants and associates reasonable accommodation, when necessary, to enable the individuals to complete the application process and/or perform the essential functions of the job. An applicant and/or associate requiring reasonable accommodation to perform any essential job function, should contact Human Resources.

The Bank's policy is to provide equal opportunity to all people without regard to race, color, religion, national origin, ancestry, marital status, veteran status, age, disability, pregnancy, genetic information, citizenship status, sex, sexual orientation, gender identity or any other legally protected category. The Bank is proud to be a drug-free workplace.

Selected candidate(s) for hire must complete the following prior to employment: a criminal history report, global screen, drug screen, employment credit report and if applicable, a driving record. Applicants must be legally authorized to work in the United States. Verification of employment eligibility will be required at the time of hire.

Other details
  • Pay Type Salary
  • Employment Indicator NBH Services
  • Dallas, TX, USA
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Equal Opportunity Employer/Protected Veterans/Individuals with DisabilitiesThe 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.

 

Job Summary
Company
Start Date
As soon as possible
Employment Term and Type
Regular, Full Time
Required Education
Bachelor's Degree
Required Experience
2+ years
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