Credit Monitoring Analyst - Houston/Lubbock/DFW at PROSPERITY BANK

Sugar Land, Texas, United States -

Full Time

Start Date

Immediate

Expiry Date

30 Aug, 26

Salary

0.0

Posted On

01 Jun, 26

Experience

0 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Financial Statement Analysis, Credit Monitoring, Financial Ratio Calculation, Loan Compliance, Microsoft Excel, Microsoft Word, Microsoft Outlook, Analytical Thinking, Interpersonal Communication, Time Management, Organizational Skills, Attention To Detail

Industry

Banking

Description

External Applicants: Please apply through Prosperity Bank's Career Center at https://www.prosperitybankusa.com/Careers [https://nam02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.prosperitybankusa.com%2FCareers&data=05%7C02%7Csavina.rodriguezmoreno%40prosperitybankusa.com%7C4351c6288a4f46ccbc9e08dcd40d9146%7C00eda10cf32f45b88e91257da01a8f7c%7C0%7C0%7C638618401959042524%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0%7C%7C%7C&sdata=lCPTgOEYEVnrpk5nNGZONxoI2erp7ikQoPkbbLU2VGE%3D&reserved=0]. Applying through any other source may prevent Prosperity from receiving your application. Internal Applicants: If you are a current associate of Prosperity Bank, please apply through the internal Talent - Career Center in ADP. Prosperity Bank is an Equal Opportunity Employer. POSITION PURPOSE Responsible for verifying accuracy of financial statements, analyzing credit and financial reports to ensure all documents comply. ESSENTIAL FUNCTIONS AND BASIC DUTIES * Verify accuracy of financial statements and other reporting requirements provided by the borrower per the terms of the loan agreement * Calculate and analyze financial and other ratios to monitor the borrower’s compliance with loan documents * Calculate availability on Lines of Credit based upon Borrower’s provided financials * Compare loan underwriting to loan documents to ensure all requirements agreed upon are present in the legal documents * Provide guidance to lending staff in creating and monitoring financial ratios required of borrower * Create and send default notices when the borrower is out of compliance with loan agreement requirements * Participate in the preparation of various reports on a periodic basis * Exhibit an understanding of and ensure compliance with Credit and Regulatory Policies * All other duties as needed or assigned The above statements describe the general nature and level of work only. They are not an exhaustive list of all required responsibilities, duties, and skills. Other duties may be added, or this job description amended at any time. SUPERVISORY RESPONSIBILITIES This role has no supervisory responsibilities. _________________________________________________________________________________________________ QUALIFICATIONS EDUCATION/CERTIFICATION: Bachelor’s degree, preferably in finance, accounting, or business administration with a minimum of a 3.0 GPA. REQUIRED KNOWLEDGE: Proficient in Microsoft Word, Excel, and Outlook. High level of confidentiality required. EXPERIENCE REQUIRED: Prefer prior experience in a financial institution. SKILLS/ABILITIES: Must be detail oriented with strong analytical abilities. Must have strong interpersonal, verbal, and written communication, time-management, and organizational skills. Must be able to work in a team environment, take initiative, and show solid work ethic. Must have the ability to make appropriate judgements and decisions with limited guidance. Excellent planning and organizational skills, including the ability to work independently on projects of high complexity with minimal supervision. Ability to maintain confidentiality and instill trust within the organization. _________________________________________________________________________________________________ PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION Finger Dexterity: Using primarily just the fingers to make small movements such as typing, picking small objects, or pinching fingers together. Talking: Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly. Average Hearing: Able to hear average or normal conversations and receive ordinary information. Repetitive Motions: Movements frequently and regularly required using the wrists, hands, and/or fingers. Average Visual Abilities: Average, ordinary, visual acuity necessary to prepare or inspect documents or products or operate machinery. Physical Strength: Sedentary work; sitting most of the time. Exerts up to 25 lbs. of force occasionally. (Almost all office jobs.) WORKING CONDITIONS None: No hazardous or significantly unpleasant conditions (such as in a typical office). MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION Reasoning Ability: Ability to apply common sense understanding to carry out simple one or two step instructions and to deal with ordinary, standardized situations. Mathematics Ability: Ability to perform very basic math skills including adding, subtracting, multiplying, and dividing two-digit numbers; the four basic arithmetic operations with money; and operations with units such as inch, foot, yard; ounce, and pound (or their metric counterparts). Language Ability: Ability to use passive vocabulary of 5,000-6,000 words; read at a slow rate; and define unfamiliar words in dictionaries for meaning, spelling, and pronunciation. Ability to write complex sentences, using proper punctuation, and using adjectives and adverbs. Ability to communicate in complex sentences, using normal word order with present and past tenses and good vocabulary. Hours: Monday - Friday 8:00 am to 5:00 pm 40 hours per week

Responsibilities

The role is responsible for verifying the accuracy of financial statements and analyzing credit reports to ensure borrower compliance with loan agreements. Key duties include calculating financial ratios, monitoring lines of credit, and issuing default notices when necessary.