Analyst – Underwriting – Ciera Bank – Fort Worth, TX

Job title: Analyst - Underwriting Company: Ciera Bank Job description: EOE STATEMENT Ciera Bank is an equal opportunity employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status. Description The Analyst - Underwriting position is an entry-level position primarily responsible for performing analysis used in underwriting of commercial loans. The position will be assigned analysis tasks geared toward underwriting and presenting proposed loan structures while identifying the strengths and weaknesses of each credit. The analyst will work closely with commercial lenders and management to meet the financial needs of customers while diligently protecting the banks capital. POSITION REQUIREMENTS ESSENTIAL FUNCTIONS (Majority of duties, but not meant to be all inclusive nor prevent other duties from being assigned as necessary) Functional: • Spread and analyze credit data, tax returns and financial statements to determine the degree of risk involved in renewing or modifying existing loans or extending new loans. • Generate financial ratios and trend analyses using bank's systems to evaluate customers' financial status and payback ability. • Perform market research using industry data to determine any potential factors that could affect the customer's ability to repay. • Prepare memos including credit analysis and summaries of loan requests, and submit to loan committees in a timely manner for approval. • Interact with loan officers, appraisers, and other third-parties to facilitate the extension of credit and perform due diligence. • Engage and review third-party reports for due diligence regarding valuation, environmental hazards, or construction risk. • Prepare internal evaluations of real estate properties. • Track and update bank's loan workflow system as the loan moves through the underwriting process. Administration: • Maintains accurate file organization and retention to increase efficiencies. • KNOWLEDGE, SKILLS & ABILITIES • Advanced analytical skills written, oral, and interpersonal skills with ability to prepare and perform presentations. • Advanced computer skills including Microsoft Word and Excel. • In-depth knowledge of accounting principles with ability to prepare and analyze financial statements. • Ability to articulate the strengths, weaknesses and issues related to a transaction, in both written and oral presentations. • Ability to multi-task and work well under pressure and with exacting deadlines. • Basic knowledge of real estate fundamentals. • An undergraduate degree in finance, accounting, economics, real-estate or business related field required. Related coursework and/or professional experience in financial, accounting, or business field a plus. • WORKING CONDITIONS (Typical working conditions associated with this type of work and environmental hazards, if any, that may be encountered in performing the duties of this position.) Internal - Work is normally performed in climate-controlled office environment, where exposure to conditions of extreme heat/cold, poor ventilation, fumes and gases is very limited. Noise level is moderate and includes sounds of normal office equipment (computers, telephones, etc.). No known environmental hazards are encountered in normal performance of job duties. External -Occasionally work will include driving for site visits, inspections or meeting, with exposure to traffic, outside atmospheric conditions, heat/cold, or moisture. PHYSICAL DEMANDS (The physical effort generally associated with this position) Work involves standing and walking for brief periods of time, but most duties are performed from a seated position. There is potential for eyestrain from reading detailed printouts and computer screen. Deadlines, workloads during peak periods and pressure may cause increased stress levels. Work may include occasional pushing, pulling, or carrying objects weighing up to 20 pounds such as files, documents, and computer printouts. Work normally requires finger dexterity and eye-hand coordination to operate computer keyboard at an advanced skill level. WORKING RELATIONSHIPS/CONTACTS (Positions, other than supervisor and immediate co-workers, with which incumbent has frequent contact and the reason for contact.) Internal - Any other bank employees, as necessary to fulfill job requirements. External - contact with borrowers, auditors, regulators, appraisers, environmental professionals. Supervision of Others - No direct supervision of others. POSITION Analyst - Underwriting CATEGORY Credit LOCATION TX, Fort Worth FULL-TIME/PART-TIME Full-Time SHIFT Days EXEMPT/NON-EXEMPT Non-Exempt CLOSE DATE ABOUT THE ORGANIZATION We are a State chartered full-service community bank with eight banking locations in the North Central Texas area. We embrace the entrepreneurial spirit, conservative values and western heritage that make us truly Texan in our hearts and souls. Ciera Bank endeavors to make www.cierabank.appone.com accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please email us at [email protected]. This contact information is for accommodation requests only and cannot be used to inquire about the status of applications. PI195331555 Expected salary: Location: Fort Worth, TX Job date: Fri, 28 Oct 2022 05:02:41 GMT Apply for the job now! Apply tot his job