Credit Analyst

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Website Hilltop Bank

Credit Analyst 

The Credit Analyst will be responsible for providing meaningful analysis of financial statements and of business and economic trends that impact borrowers. The Analyst will learn to evaluate credit risk by spreading and analyzing borrower financial statements. Assists lenders in all aspects of the risk assessment process.  Participates in meetings with customers. No lending authority is expected. Complete detailed written reports that succinctly summarize financial performance; describe collateral quality and coverage; identify, evaluate and mitigate repayment risks; and provide other relevant information for use in the credit decision process. Responsible for understanding commercial credit financial statement spreading software. Responsible for understanding credit policies and appropriate underwriting guidelines and able to apply this knowledge in the review and structuring of credits. Perform research/analysis related to various projects that may arise from time to time such as industry studies and management reports. Assist on corporate documentation and asset quality portfolio reviews. Primarily responsible for preparing Credit Approval Presentations (CAP). Conduct annual reviews of identified credits and those above established thresholds to ensure ongoing credit quality. Recommend loan structure that fits the needs of the credit. Primarily engaged for the detailed analysis on the most complex borrowers. Evaluates risk in assets, confirms risk rating. Perform other duties as assigned by CCO and Senior Credit Administration Officer. Accounting background or education. Strong Excel proficiency. Effective written skills for accurate documentation preparation. Aptitude for figures, high attention to detail. Prior bank experience preferred, knowledge of credit policies. Ability to work independently; organization & time management skills for meeting deadlines. Critical thinking skills to interpret data relevancy. Strong interpersonal communication skills.

Please apply in person at 300 Country Club Road, Suite 307 from 9am-5pm Monday – Friday. You may also go to to complete an application. Please print and upload. Applicant testing administered. Hilltop Bank is an EEO Employer.

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