How to apply: Please apply through Prosperity Bank's Career Center at https://www.prosperitybankusa.com/Career s and to find more job opportunities with our company. Please note by not applying through the Prosperity Bank Career Center website may cause a delay in the consideration of your application for this position. Please also note these instructions on how to apply do not apply to current Prosperity Bank employees.
A pre-employment credit check will be performed on all qualified applicants.*
POSITION PURPOSE
Responsible for analyzing credit and financial reports to determine risk involved in loaning money or extending credit.
Essential Functions And Basic Duties
Spreading and analysis of commercial financial statements for prospective and existing loan customers.
Perform financial analysis and basic underwriting of loan packages for loan officers to include the following: trend, equity and ratio analysis, loan structuring, collateral analysis, guarantor analysis, and calculation of Global Debt Service Coverage.
Perform loan reviews of existing commercial loans.
Recommend credit grades based on creditworthiness of borrower and performance of the loan.
Identify documentation exceptions and evaluate underwriting.
CRE Stress Test Analysis
Review Rent Rolls, Construction Budgets, Pro Forma Statements, Feasibility Studies, run CoStar reports.
Prepare Stress Model, Projected Income Scenarios, etc.
Run background reports through LexisNexis.
Other duties as assigned.
Qualifications
Education/Certification:
Bachelor’s degree in business administration, Accounting, or Finance with a minimum of 9 hours of accounting and/or 12 hours of finance.
Required
REQUIRED EXPERIENCE:
Minimum one year banking experience preferred.
Skills
SKILLS/ABILITIES:
Ability to work on multiple transactions simultaneously and prioritize assignments to meet deadlines.
Strong analytical skills with an ability to interpret complex financial information and identify relevant risks.
Strong verbal and written communications skills.
Monday - Friday: 8:00am-5:00pm
40 hours
Seniority level
Entry level
Employment type
Full-time
Job function
Finance and Sales
Industries
Banking
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