External Applicants: Please apply through Prosperity Bank's Career Center at https://www.prosperitybankusa.com/Careers. 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

Focus on underwriting and general analytical work affiliated with the credit approval process. Will also assist portfolio managers in monitoring the existing loan portfolio and assist relationship managers with marketing efforts for new client development.

Essential Functions And Basic Duties

Spread commercial financial statements for prospective and existing customers.
Perform financial analysis and underwriting of loan packages, which includes preparing charts and narrative related to analysis of sources & uses, capitalization, historical and projected financial statements, financial covenants, stress testing and collateral valuation.
Perform diligence for prospective and existing customers related to business descriptions, industry analysis, market analysis and other general credit risk factor analysis.
Obtain and analyze appropriate diligence materials for the evaluation of collateral value.
Assist with monitoring existing client relationships for periodic loan reviews.
Maintain open lines of communication with portfolio managers and relationship managers.
Other duties as 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:

Candidate for a bachelor's degree in business administration or economics with an emphasis in finance and/or accounting.

Required Knowledge

Experience with Microsoft Office, especially Excel and Word.

Skills

Skills/Abilities:

Proven analytical ability

Verbal and written communication skills

Ability to work on multiple transactions simultaneously and prioritize assignments to meet deadlines.

Familiarity with financial analysis including, cash flow analysis, balance sheet and income statement analysis, collateral evaluation, and appraisal reports.

Talking

PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

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 Motion

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 10 lbs. of force occasionally. (Almost all office jobs.)

WORKING CONDITIONS

None

No hazardous or significantly unpleasant conditions (such as in a typical office).

Reasoning Ability

MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

Ability to deal with a variety of variables under only limited standardization.

Able to interpret various instructions.

Mathematics Ability

Ability to compute discount, interest, profit, and loss; commission markup and selling price; and ratio, proportion, and percentage.

Able to perform very simple algebra.

Language Ability

Ability to read a variety of books, magazines, instruction manuals, atlases, and encyclopedias.

Ability to prepare memos, reports, and essays using proper punctuation, spelling, and grammar.

Ability to communicate distinctly with appropriate pauses and emphasis, correct pronunciation (or sign equivalent), and variation in word order using present, perfect, and future tenses.

Monday - Friday: 9:00AM - 5:00PM

40 hours a week

PROSPERITY BANK

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