Point Bank
  • Pilot Point, TX, USA
  • Full Time


This position reports directly to the AVP-Senior Credit Analyst.

This position reports indirectly to the EVP - Senior Credit Officer



This position is classified as Exempt under the Administrative Exemption of the FLSA.



Gather financial information and perform an analytical review and grading of new and existing loan relationships within the Bank's loan portfolio. Prepare presentations of financial information in a format that is conducive to loan policy and underwriting procedures in accordance with safe and sound bank practices and regulatory rules and laws. Spread financial statements and prepare financial analysis with grading for all loan presentations presented to the ELC, DLC, to assist loan review and as requested by Management. Perform loan monitoring, in accordance with the bank's lending policies. Determine compliance on loan relationships with loan policy, appropriateness of loan grade, and risk in the loan portfolio.



  • Responsible for analysis and production of credit analysis.
  • Responsible for reviewing and ensuring the accuracy and completeness of loan analysis and summaries prepared by loan officers for presentation to the board.
  • Perform assigned task in accordance with underwriting procedures.
  • Perform regular financial analysis on pending loan requests to include:
  • Spreads of borrower's balance sheets, income statements, and tax returns to facilitate credit analysis.
  • Prepare cash flow and debt service analysis schedules to facilitate credit analysis.
  • Identifies strengths and weaknesses associated with credit requests and subsequent analysis and make recommendations.
  • Informs loan officer of: credit quality, information lacking to complete files, of any necessary financial history of deterioration, etc.
  • Checks credit tracking for exceptions with financial data that is submitted and passes along information with loan request to loan processors to help create efficiencies.
  • Approve loans under lending authority; recommend to committee for qualified commercial and consumer borrowers.
  • Perform loan monitoring duties for the bank to include:
  • Extraction of financial information from the bank's core processing systems.
  • Location and extraction of loan documentation from the banks document-imaging system.
  • Spread customers' balance sheets and income statements, review tax returns, and prepare cash flow and debt service analysis schedules.
  • Review the customer's financial information.
  • Track financial requirements on loan relationships and other covenants identified in in credit approval/loan agreements
  • Identify and report on policy exceptions and guideline variations
  • Reports to Management on the appropriate risk associated with customer loan relationships.
  • Assist in the determination that the risk in the loan portfolio is properly identified.
  • Monitor loans in process for compliance with all applicable regulations
  • Perform review of daily cuts ensuring assigned bankers have completed their reviews and that changes made are in accordance with authority levels and established procedures/guidelines
  • Assist in the preparation of loan reports for Board Meetings and DLC meetings
  • Assist with training of new lenders and credit analysts
  • Assist Central Credit Administration and Management
  • Attend all meetings and complete all training required to ensure regulatory compliance.
  • Comply with all applicable Federal and State regulations and guidance associated with the performance of your job function.
  • Comply with all applicable BSA/AML/OFAC policies and procedures associated with the performance of your job function, including participation in required training and identifications of suspicious activity.
  • Responsible for making suggestions to improve branch/departmental operations and overall bank.
  • Perform other duties and assignments within the bank at Management's request; accept any cross-training as directed by Management, works in other branches if needed.



Frequency:  (R) Rarely 0-15%; (O) Occasionally (16-45%); (F) Frequently (46-100%)




Copier/Fax Machine-F




Light to Medium work-Exerting up to 50 pounds of force occasionally, and/or up to 10 pounds of force frequently to lift, carry, push, pull or otherwise move objects, including the human body.






Repetitive Motions-F



Close Visual Acuity-worker is required to perform such tasks as preparing and analyzing data and figures, transcribing, or viewing a computer terminal.

Interpreting Data-F

Problem Solving-F

Making Decisions-F




Worker is subject to inside environmental conditions; protection from weather conditions but not necessarily from temperature changes-F

Worker is subject to outside environmental conditions when to traveling to required bank meetings and training sessions-O

Worker is subject to local travel as required when traveling to required bank meetings and training sessions-O


The above statements describe the general nature and level of work being performed. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of the position.  Employees holding this position will be required to perform any other job-related duties as requested by management.  All requirements are subject to possible modification to reasonably accommodate individuals with a disability. If you are an individual with a disability and would like to request a reasonable accommodation as part of the employment selection process, please contact Recruiter at 940 686 7087PointBank is an Equal Opportunity Employer of minorities, women, veterans, and disabled.

Point Bank
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