Find & Apply For Credit Analyst / Authorizer Jobs in McAllen, Texas

Credit Analyst PlainsCapital Bank - 3.3 McAllen, TX Job Details Full-time 14 hours ago Qualifications Research Bachelor's degree Data-driven problem-solving Full Job Description The Credit Analyst with PlainsCapital Bank plays a critical role in evaluating the financial health and creditworthiness of commercial clients. This position involves analyzing financial statements, assessing risk, and preparing detailed analyses to support sound lending decisions. The credit analyst collaborates closely with relationship managers, lending leadership, and credit officers to ensure credit proposals align with the bank's risk appetite and regulatory standards. Bachelor's degree in Business related field required. Strong preference for Finance or Accounting major or concentration. Professional experience in financial, credit, or statistical analysis, and/or statement spreading and assessing companies through internships, part-time or full-time work, and/or extracurricular activities preferred. Excellent verbal, written and interpersonal communication skills. Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems. Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment. Must be self-motivated with strong initiative, accountability, and attention to detail. The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company. Analyzes financial statements and performance across varying levels of quality to develop an initial assessment, highlighting strengths and potential risk areas in the borrower's historical operating performance.

Prepares written analyses which include:

credit investigation of the borrower and guarantors; economic and market conditions impacting the company, its industry, and geographic market; in-depth historical and projected financial and cash flow analysis, including potential engagement with the borrower's finance team to clarify accounting practices and ensure accurate interpretation; in-depth analysis of the secondary sources of repayment such as collateral liquidation value; in-depth analysis of a guarantor's financial position; identifies strengths and vulnerabilities in the borrower's financial and operational profile. Maintains a broad understanding of industry and economic trends by gathering and analyzing relevant data from diverse sources—including borrower conversations, market publications, peer bank references, credit agencies, and online research. Attends regular loan committee meetings, serving as a resource for credit analysis insights and responding to inquiries as needed. Participates in customer meetings as requested by officers (may require travel at times). Coordinates the ordering of appraisals and conducts collateral analysis based on appraisal reports provided by third-party vendors. Leverages appraisal data to assess the accuracy and adequacy of collateral values, supporting informed credit decisions and risk management. Reviews loan agreements to accurately assess covenant requirements, measures covenant performance, and promptly escalates any breaches to the lending team for resolution. Performs periodic risk grading of all credit relationships, including renewals, by evaluating financial performance and identifying any deterioration in credit quality. Uses findings to support proactive portfolio risk management. Other duties as required.