Commercial Credit Analyst & CRE Loan Closer - Dallas

Why Broadway Bank:
We are one of the largest independently owned banks in Texas with
offerings in personal and private banking, wealth management, business banking
and mortgage lending.

Position Overview:

The Commercial Credit Analyst and CRE Loan Closer is responsible for conducting
credit investigations, spreading and analyzing borrower and guarantor financial
information, preparing cash flow analyses, and assisting with the underwriting
of routine commercial credit requests. Operating under close supervision, the
position compiles and presents credit information used by commercial lenders
and approval authorities in evaluating new, renewal, extension, and
modification requests. The position also provides supporting analytical and
administrative assistance for commercial real estate and construction credits,
including review of relevant financial information, construction budgets, draw
documentation, and other credit-related information. The role is developmental
and does not carry independent credit approval, portfolio management,
loan-origination, or nonconforming draw authority.

Essential Functions:

• Credit Analysis and Underwriting
• Gathers credit information from approved sources,
  including credit bureaus, reporting services, bank references, internal
  credit records, and borrower-provided information.
• Compiles and organizes information to support lending
  decisions on new, renewal, extension, and modification requests.
• Spreads and analyzes borrower and guarantor financial
  statements, tax returns, personal financial statements, rent rolls, and
  related financial information under supervision.
• Prepares historical and projected cash flow analyses
  and assists in identifying material trends affecting repayment capacity,
  liquidity, leverage, and collateral support.
• Prepares clear and concise credit memoranda, summaries,
  and supporting analyses for routine commercial credit requests.
• Identifies key credit risks, policy considerations, and
  mitigating factors and elevates findings to the assigned lender or credit
  manager.
• Assists with risk-rating support, covenant
  calculations, and follow-up questions as directed.
• Provides credit information and references to
  customers, lenders, and other authorized parties.
• Assists in maintaining current and complete credit
  files, including required financial statements, agency reports, covenant
  information, and other underwriting documentation.
• Commercial Real Estate and Construction Credit
  Support
• Assists in review of rent rolls, construction budgets,
  draw requests, inspection reports, project financial information, and
  other documents relevant to the assigned credit analysis.
• Assists with comparing construction progress, project
  costs, and funding activity with approved budgets and loan terms.
• Orders and reviews approved credit information for
  builders, contractors, and other project participants when required.
• Assists lenders with collateral inspections and
  documents observations adhering to procedures.
• Coordinates with lenders, Credit Administration, Loan
  Operations, and other internal partners to obtain information necessary to
  complete assigned analyses.
• Promptly escalates identified financial, documentation,
  construction, collateral, or credit concerns to the appropriate lender or
  credit authority.
• Act as the primary liaison between the bank and various
  stakeholders (builders, contractors, borrowers, etc.), facilitating smooth
  loan origination, progress monitoring, and closing processes.
• Monitor loans and construction projects for full
  compliance with regulatory requirements and bank policies.
• Exercises authority to make impactful financial and risk associated decisions on behalf of Broadway Bank when decisioning non-conforming draws.
• Recommend and implement workflow process improvements.
• Order and evaluate credit information for builders and
  contractors involved in commercial and residential projects.
• Provide high-level administrative and customer support,
  including depository transactions, account maintenance, and cross-selling
  bank products.
• Collaborate with bank leadership to revise construction
  management policies and procedures as necessary.
• This position may require travel within the Bank's geographic area.

Experience & Education:

• 1-3 years of relevant experience in commercial credit analysis, banking, finance, accounting, or a related field.
• Working knowledge of commercial credit principles, practices, and financial analysis is preferred.
• Bachelor's degree in Finance, Accounting, Business Administration, or a related field, to include a minimum of 9 credit hours in accounting and 12 credit hours in finance.

Skills & Qualifications:

• Strong interpersonal and communication skills, with demonstrated initiative, and the ability to learn and develop effectively within a structured, hands-on training environment.
• Ability to develop
  proficiency in spreading and analyzing financial statements.
• Proficiency
  with Microsoft Windows; exposure to financial analysis or commercial
  lending software preferred.
• Ability to manage
  multiple assignments and meet deadlines in a fast-paced environment.
• Willingness to develop
  commercial credit, real estate, and construction-lending knowledge.
• Excellent organization
  skills to maintain credit files and documentation.
• High standard of
  ethical behavior and discretion in handling sensitive information.
• Flexibility in
  assuming additional responsibilities and adjusting to changing
  priorities.

Other Requirements:

• Strong commitment to ethical practices and compliance
  with all federal and state regulations pertaining to banking and mortgage
  lending.
• Collaborative spirit to work with CRE Closing and
  Construction Coordinators across different markets as needed.
• Requires the ability to lift, carry, push, pull weights or otherwise move objects weighing as much as 10 lbs. on a regular basis and/or for extended periods of time during the workday.
• Occasional overtime or extended hours may be required.

We're a culture that offers
resources to benefit your overall health and well-being:

• Career Development and Mentorship Programs
  
• Generous paid time off, minimum 4 weeks
• Employee recognition, awards, and events
• Free employee-only vision insurance
• Retirement matching
• Tuition reimbursement

This job description is not
designed to be a comprehensive listing of duties, responsibilities, or
activities that are required for this job. Duties, responsibilities, and
activities may change at any time with or without notice.

Broadway Bank
is proud to be an Equal Opportunity Employer. Broadway Bank is a drug-free, tobacco-free
and nicotine-free workplace. All qualified applicants will receive consideration for
employment without regard to race, color, sex, sexual orientation, gender
identity, religion, national origin, disability, veteran status, or other
legally protected status.

Member FDIC