Credit Analyst

At Guaranty Bank & Trust, we are passionate about helping others and our communities. We strive to stand out and be different, and as a result, our business is growing fast!

Guaranty Bank & Trust offers competitive pay and benefits, generous time off, continued training and career development. Do you want to work for a respected financial institution who supports innovation, promotes collaboration, is environmentally responsible, technology driven, ethical, and is willing to invest in your career? If so, we should meet!

We are currently searching for the right person to join our team as a Credit Analyst.

Job Duties:

• Performs financial analysis and makes recommendations on new and existing credits and exposures.

• Perform regular loan portfolio reviews based on risk and/or size of all credit types (commercial, consumer, residential, equipment, Small Business Administration, mortgage, HELOC, participations, etc.) for asset quality, thorough and accurate documentation and compliance with relevant state and federal regulations.

• Periodically review and provide oversight analysis for lending policies, procedures and servicing functions within the Bank. Validate that applicable laws and regulations are addressed by policy, ensures that actual procedures and processes uphold the written policy and makes suggestions or recommendations for changes, updates or revisions to policy content.

• Determines credit worthiness by analyzing various commercial credit vehicles including financial statements (Balance Sheet, Income Statement, and Statement of Cash Flow), commercial credit bureau reports (Dun and Bradstreet, Experian & Equifax), SEC Filings, bond ratings, grants, tax returns, letters of credit, and budgetary information.

• Review third party reports, cash flow analysis, credit strength, property characteristics and all other information pertinent to the credit decision process on each application.

• Prepares a Credit Analysis Summary (CAS) of Commercial applicants requesting large lines of credit by analyzing the customer, interpreting the request, identifying the risk factors, performing a risk assessment, and providing a summary and recommendation.

• Create and distribute job related managerial reports.

• Comply with all federal, state and local regulatory rules and regulations governing financial institutions, as well as all Company policies and procedures.

• Complete and pass all required regulatory compliance training as assigned.

• Participate in special lending-related projects and meetings as directed.

• Perform any additional duties and tasks assigned by management.

Qualifications & Skills:

• Intermediate Excel capabilities including macros, pivot tables and formulas

• Ability to use key performance metrics and data to provide insights and make strategic business recommendations

• Ability to organize, analyze and interpret data to explain complex irregularities or trends

• Strong communication and presentation skills

• Travel to business locations will be required.

Education, Experience & Licenses:

• Bachelor's degree ( finance, accounting, or related field)

• Minimum of 1-2 years previous experience with data collection methodologies

• Minimum of 1-2 years of experience in a banking credit analyst role