Loan Risk Grade Analyst (TX, NV)
Posted on: 18 Feb 2021
Houston, TX
Job Description
**Will review job description with hiring manager.**
Responsible to provide multi dimensional modeling risk grading for commercial loans of all sizes and types to commercial, agricultural, dealer, leasing and private services personnel. Assists field personnel in proper structuring of grading, source system data matching and exception clearing. Responsible for assessing the probability of default of the borrowers and guarantors and loss given default of the specific loan. Based on analysis responsible to make recommendations and course of action to take with regards to loans. Works with the risk grade central processing to assist field commercial lending personnel with assessing the risk inherent in commercial loan transactions. Responsible to create new grading scenarios and update existing scenarios already in the system along with resolution of data mismatches between the risk grade application and the loan system where the loan is boarded. Provides grading of all loan types including commercial and industrial credits, commercial real estate, dealer flooring, leasing, non-profit, agricultural and individual borrowers (including reliant guarantor grading). Interact with lending personnel across the enterprise. Develop and maintain reports. Other duties as assigned.
Requires a Bachelor's in business, finance, accounting or a related field and 2+ years with credit analysis, data bases, risk analysis, statistical modeling and general commercial type lending or other directly related experience. A combination of education and experience may meet qualifications. Extensive knowledge of credit analysis, credit risk assessment, statistical modeling, accounting, spreadsheets, databases, statistical software and pc's. Working knowledge of commercial type lending or loans. Ability to utilize statistical models to present business solutions. Ability to work with various department and vendors. Must have strong analytical, customer service and communication skills, both verbal and written. Solid problem resolution skills. Extensive knowledge of report writing and lending systems.
Amegy Bank
Houston, TX
More than 25 years ago, Amegy Bank entered the market with a small team who had big goals. Throughout the next two decades, that team grew into a talented family of bankers whose commitment to common-sense solutions and doing the right thing for clients still remains a priority today.
Amegy Bank believes in relationship banking, where clients know their bankers’ names and bankers know their clients’. We look at banking from our clients’ perspective and we make it easy for them to bank with us. Through what we call the “Community Banking Partnership,” we bring solutions to clients by being proactive and providing them access to all parts of the bank in their own geographic areas.
With more than 75 banking locations in Texas, we live and work here, so we understand the spirit and personality of our communities, industries and our economy. We specialize in banking privately owned business of all sizes and public companies in all industries with additional expertise in real estate, energy and correspondent banking. Supporting the deposit and loan capabilities of our business relationship managers is a highly experienced team of product specialists including SBA, cash management, fraud protection, international trade, investments, foreign exchange, corporate trust, retirement plan services, leasing, interest rate hedging and factoring. Equally as important, we offer a wide range of depository, lending, mortgage, brokerage, investment management, trust and internet services for consumers and private banking clients.
Amegy Bank is a division of Zions Bancorporation, N.A., which operates in nearly 500 local financial centers across 11 Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington and Wyoming. Zions Bancorporation is in the S&P 500 and NASDAQ Financial 100 indices (NASDAQ: ZION).
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IndustryBanking/Financial Services
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No. of Employees1,600+
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Website
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Jobs Posted664
