Credit Compliance Analyst

The Credit Compliance Analyst works closely with the Manager, Credit Risk Portfolio to ensure Commercial Lending, Loan Operations, Finance, Credit Risk, and other Credit Administration employees receive reports needed for tracking trends/changes in the Commercial Loan portfolio, evaluating compliance of loan policy exceptions tracking, monitoring, extracting, and verifying data conclusions.

• Maintains the Relationship Report which consists of relationships with aggregate debt over a certain amount according to Loan Policy to proved to Lenders
• Prepares, validates, and tracks the Financial Covenant tests and Borrowing Base Calculations for the Commercial Lending Portfolio
• Provides the portfolio monitoring reports for awareness of credit compliance
• Performs qualitative reviews of credit approval documents to gauge the degree of policy compliance
• Assists with implementing and updating loan procedures and policies and in the training and counsel of credit underwriters/lending personnel on the proper identification , disclosures, tracking and clearing of credit and policy exceptions
• Assists with developing and maintaining reports that track pertinent portfolio trends. Maintains the integrity of these reports through interactions with other bank departments as necessary. Documents that data gathering techniques used to generate reports
• Assist in preparing portfolio analysis reports for use by Senior Management, the Board and regulatory agencies; including but not limited to, concentration analysis, board reports, and Federal Reserve Surveys. Certain reports are required at regular intervals and others are produced upon request.

Qualifications:

• Associates degree, or some college in related field or equivalent work experience
• 3-5 years relevant banking experience, preferable in commercial banking/credit administration capacity in finance/ accounting or in management information systems
• Preferred: Excel skills with a focus on data extraction. manipulations and reports creation; working knowledge of other Microsoft Office programs; preferred knowledge of bank lending to include loan policy and procedures, loan accounting issues, loan structuring techniques, management information systems (Alteryx, nCino), regulatory matters and internal control/risk management issues; Strong analytical, organizations, problem solving, project management and communication (both written and oral) skills.

Skills:

• Intermediate / Advanced knowledge of Microsoft Excel and MS Word; basic keyboarding and calculator sills; must be able to perform advanced math and carry out complex instructions
• Work occasionally requires more than 40 hours per week to perform the essential functions of the position
• Lifting in an office setting may be required up to 30lbs.

ANBTX strongly encourages candidates that are fluent in English and Spanish to apply. Jobs that specifically require candidates to be bilingual will be posted as a requirement