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Credit Analyst - Banker Development Program At PlainsCapital Bank

Location: San Antonio, Texas

Job Description

Job Summary:[
The Credit Analyst – Banker Development Program will have a start date in June 2020 and will participate in our Banker Development Program, which is designed for individuals who wish to pursue a career as a Commercial Banker (Lender). As a Credit Analyst in our Banker Development Program, you will receive training and work as a Credit Analyst, where you will provide full support to the Commercial Bankers in your respective market by underwriting a variety of financial transactions involving working capital, equipment, real estate and small company acquisitions. You will also receive additional career development in areas across the bank that are focused on preparing you to become a Commercial Banker (Lender). Those who successfully complete the Banker Development Program will typically move into a lending role within two to three years.
]Essential Functions:
  • Analyzes financial statements (including performance ratios) of all levels of quality to develop initial assessment by identifying strengths and weaknesses as pertaining to borrower’s historical operating performance.
  • Prepares written analyses which include:
    • Credit investigation of the borrower and guarantors;
    • Economic and market conditions as they relate to the company, industry, and market area;
    • In-depth historical and projected financial/cash flow analysis, including communicating with the borrower’s accountant to gain a better understanding of the company’s accounting practices;
    • In-depth analysis of the secondary sources of repayment such as collateral;
    • In-depth analysis of a guarantor’s financial position.
    • Identifies borrower’s strengths and weaknesses
  • Collects and maintains industry data; researches industry specific information from outside sources, including conversations with the borrower, industry publications, references from other banks, credit agencies, as well as accessing information through the internet.
  • Attends weekly Loan Committee meetings and is available to answer questions regarding credit analysis as necessary; often presents the loan request to the committee.
  • Participates in customer meetings as requested by officers (may require travel at times).
  • Performs real estate appraisal reviews for lenders in all regions.
  • Processes and establishes accountability pertaining to Commercial Loan Agreement requirements/covenants.
  • Monitors periodic inspections pertaining to real estate construction projects – loan advances versus project completion.
  • Actively participates in all assigned training and development sessions.
  • Completes all assigned training and development projects and initiatives.
  • Other duties as required.
Job Requirements:
  • Bachelor’s degree in Business related field required. Strong preference for Finance or Accounting major or concentration.
  • Professional experience in financial, credit, or statistical analysis, and/or statement spreading and assessing companies through internships, part-time or full-time work, and/or extracurricular activities preferred.
  • 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.
  • Must be able to attend initial training at our Las Colinas facility for approximately four weeks (initial training period could change depending on the needs of the program). Travel for subsequent training sessions will also be required throughout the duration of the Banker Development Program with dates and locations to be announced at the time of training.
About the Company:[
At PlainsCapital, we’ve always had a trailblazing spirit. PlainsCapital was founded in 1988 by Alan White and a group of investors who raised the capital to acquire Plains National Bank, a Lubbock financial institution with one branch and $198.8 million in assets. Alan, who retired from his post as Chairman of PlainsCapital Bank in 2019, partnered with a team of young bankers who dreamed of bringing relationship banking to Lubbock, and they began to grow the bank one relationship at a time.

Today, PlainsCapital Bank is one of the largest banks in Texas based on deposit market share. Under the leadership of President and Chief Executive Officer Jerry Schaffner, 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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