Credit Analyst II

Home BancShares
United States
Workplace: OnsiteFull timeFunction: Banking, Lending & CreditExperience: 4+ yearsEducation: bachelorsSkills: ["Analytical thinking","Good judgment","Communication","Report writing"]

Perform financial analysis and credit underwriting to help the bank assess risk and monitor existing lending relationships, focusing on less complex portfolios. Build financial spreads in the nCino lending operating system, prepare cash flow and project analysis reports, and calculate financial ratios for loan agreement compliance. Create credit memos and annual reviews, verify borrowing base certificates, and review prior analysis and attend loan committee meetings as directed.

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Home BancShares
Home BancShares
2 months ago

Credit Analyst II

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Source: Company careers pageValidated by: Fursa AI
Last checked: 1 hour agoStatus: Live

Job Summary

Perform financial analysis and credit underwriting to help the bank assess risk and monitor existing lending relationships, focusing on less complex portfolios. Build financial spreads in the nCino lending operating system, prepare cash flow and project analysis reports, and calculate financial ratios for loan agreement compliance. Create credit memos and annual reviews, verify borrowing base certificates, and review prior analysis and attend loan committee meetings as directed.
Location: United States
Workplace: Onsite
Employment Type: Full time
Job Function: Banking, Lending & Credit
Seniority: Mid level

Key Responsibilities

  • •Create financial spreads in nCino using financial statements to identify and review trends.
  • •Prepare reports quantifying borrowers’ personal, global, and real estate cash flows/project analysis.
  • •Attend loan committee meetings as directed by management.
  • •Verify accuracy of customers’ borrowing base certificates for assets (accounts receivable, inventory, marketable securities).
  • •Calculate financial ratios and monitor compliance with loan agreement definitions and eligible collateral; create credit memos and annual reviews.

Key Requirements

  • •Equivalent to a four-year college degree plus 4 years of related experience and/or training.
  • •3 years of related management or supervisory experience.
  • •Broad knowledge of fields such as accounting, business administration, and finance.
  • •Ability to read, analyze, and understand business and financial materials, and to communicate effectively in writing and presentations.
  • •Ability to work with mathematical concepts (probability, statistical inference, algebra/geometry/trigonometry) and apply critical thinking to draw conclusions.
Experience:4+ years
Education:Bachelor's
Skills:Analytical thinkingGood judgmentCommunicationReport writing
Tech Stack:NCino10-KeyAccountingSpreadsheetMicrosoft WordMicrosoft ExcelAlphanumeric Data Entry

Company Brief

Home BancShares
Bank holding company that operates Centennial Bank and provides commercial and consumer banking services, including lending, deposits, treasury management, and online banking. Serves individuals, businesses, and public entities across the southern United States.
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: Conway, United States
Founded: 1998
WebsiteLinkedIn