About

• 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%7Csandra.olivarez%40prosperitybankusa.com%7C4351c6288a4f46ccbc9e08dcd40d9146%7C00eda10cf32f45b88e91257da01a8f7c%7C0%7C0%7C638618401955642480%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0%7C%7C%7C&sdata=yg2VkStkdrf7Of6ttN7si0bcqfep9Z6KvaukXq%2BSYpI%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.

• 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, A/R Aging, Inventory, Equipment, Floor Plan Reports, Prepare Stress Model, Projected Income Scenarios, etc…
• 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 12hours of finance. 
• REQUIRED EXPERIENCE: 
• Minimum one year banking experience preferred. 
• 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. 
• CAREER PROGRESSION: 
• Successful candidates will have the opportunity of becoming Junior Commercial Lenders after completion of the two-year Credit Analyst program
• POSITION LOCATION: 
• Open to relocation within the State of Texas and Oklahoma if necessary.

• Monday - Friday: 8:00AM - 5:00PM
• 40 hours