Credit Analyst I (Full Time) - Lubbock, Ave Q

Prosperity Bancshares
United States
Workplace: OnsiteFull timeFunction: Banking, Lending & CreditEducation: bachelorsSkills: ["Analytical skills","Communication","Prioritization"]

Analyze credit and financial information to assess risk for prospective and existing commercial loan customers. Spread and analyze financial statements, perform trend/equity/ratio analysis, underwriting, collateral and guarantor reviews, and recommend credit grades. Conduct loan reviews for existing commercial loans, identify documentation exceptions, and support CRE stress testing by evaluating rent rolls, budgets, pro formas, feasibility studies, and debt-service coverage calculations.

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Prosperity Bancshares
Prosperity Bancshares
3 days ago

Credit Analyst I (Full Time) - Lubbock, Ave Q

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Last checked: 22 hours agoStatus: Live

Job Summary

Analyze credit and financial information to assess risk for prospective and existing commercial loan customers. Spread and analyze financial statements, perform trend/equity/ratio analysis, underwriting, collateral and guarantor reviews, and recommend credit grades. Conduct loan reviews for existing commercial loans, identify documentation exceptions, and support CRE stress testing by evaluating rent rolls, budgets, pro formas, feasibility studies, and debt-service coverage calculations.
Location: United States
Workplace: Onsite
Employment Type: Full time
Job Function: Banking, Lending & Credit
Seniority: Entry level

Key Responsibilities

  • •Spread and analyze commercial financial statements for prospective and existing loan customers.
  • •Perform financial analysis and basic underwriting, including trend, equity and ratio analysis, loan structuring, collateral and guarantor analysis, and Global Debt Service Coverage calculations.
  • •Conduct loan reviews of existing commercial loans.
  • •Recommend credit grades based on borrower creditworthiness and loan performance; evaluate documentation exceptions.
  • •Complete CRE stress test analysis by reviewing rent rolls, construction budgets, pro formas, feasibility studies, A/R aging, inventory, equipment, and floor plan reports, and preparing stress model scenarios.

Key Requirements

  • •Bachelor's degree in Business Administration, Accounting, or Finance with specified accounting/finance coursework hours (as stated in the posting).
  • •Minimum one year banking experience preferred (two-year banking experience preferred is also mentioned).
  • •Ability to spread and analyze commercial financial statements for loan customers.
  • •Strong analytical skills to interpret complex financial information and identify relevant risks.
  • •Strong verbal and written communication skills.
Experience:Banking
Education:Bachelor's in Business Administration, Accounting, or Finance
Skills:Analytical skillsCommunicationPrioritization

Company Brief

Prosperity Bancshares
Operates Prosperity Bank, a Texas-based regional banking franchise offering commercial and consumer banking services, lending, treasury management, and wealth-related solutions through a network of branches across Texas and Oklahoma.
Industry: Banking
Company Size: Enterprise (1,001+ employees)
Revenue: USD 1B+
Growth: Public Company
Valuation: Public Company (Market Cap in USD)
Funding: IPO / Publicly Listed
Headquarters: Houston, United States
Founded: 1983
WebsiteLinkedIn