Associate Credit Analyst

Officer Development Program – Associate Credit Analyst

Training Program with Rotations

The Credit Analyst Program at Amegy Bank is a traditional credit training program designed to develop Credit Analysts into well-rounded Lenders who will be the company’s future leaders. The program is organized to provide continuing growth and challenge at a tailored pace to advance toward Lending responsibilities.

The Credit Analyst Program trains Credit Analysts for the San Antonio, Houston, and Dallas markets. Recruits hired for the San Antonio and Dallas markets can expect to spend their first five to six months of employment in Houston.

The Officer Development Program offers:

• A solid foundation in the basics of banking
  
• A defined career path that begins with classroom training as an Associate Analyst and evolves into a sales or portfolio management role
  
• One-on-one working relationships with high level bank decision makers
  

The opportunity to apply finance and accounting skills to assess credit and business risk
Increasing business development and relationship management or lending and portfolio management responsibilities
Competitive salary and benefits
Opportunity to get exposure to Zions
Bancorporation in Utah
Program Format
Phase I – Initial Training (4 – 5 months)
(As an Associate Credit Analyst in the Initial Training Phase your employment status is non-exempt)
The initial classroom training takes place in Houston, Texas at Amegy Bank’s headquarters and also in Salt Lake City, Utah at ZB, N.A.’s headquarters for two training sessions that are each two weeks in length. This phase is the more highly structured and managed phase of the program. Topics covered during the Initial Training Phase include introductory banking and analytical concepts as well as bank specific administrative training. Some travel is required to complete this phase.

As a requirement of the initial training, Associate Credit Analysts complete the following series of Omega self-study courses or Zions Lectures: Omega’s Financial Accounting for Lenders, Omega’s Commercial Loans to Business, Commercial Real Estate Loan Analysis, Managing Portfolio Risk, and Understanding Personal Cash Flow. These courses are designed to teach the analytical process and decision-making techniques needed to make sound credit decisions.

In addition to the self-study materials, during initial training Associate Credit Analysts participate in:

• Mock write-ups based on case studies
  
• Discussion sessions to review concepts introduced in the self-study materials
  
• Training to perform credit underwriting according to bank policy
  
• Introductions to senior management
  
• Department tours providing an overview of bank operations
  
• Professional etiquette and sales training
  

Phase II – Rotations (11 – 21 months)

(As Credit Analysts in the Rotational Phase your employment status is exempt)

The primary objective of Phase II is on the job training. Credit Analysts work closely with Bank Officers performing comprehensive credit underwriting and preparing loan presentation packages.

On the job training is accomplished through a structured rotation system. Credit Analysts are assigned to specific lending groups for a series of 4 to 7 rotations, each rotation lasting approximately 13 weeks.

During these rotations, the Credit Analyst performs all analytical work required for that particular department.

Specific responsibilities include:

• Preparation of financial statement spreads and credit presentation packages
  
• Participation in loan approval presentations
  
• Portfolio credit risk review
  
• Shadowing Bank Officers in customer/prospect meetings
  
• Participation in seminars and on-going training sessions
  

Various areas host Credit Analysts for rotations on an ongoing basis (dependent on departmental need):

• Commercial Lending
  
• Private Banking
  
• Commercial Real Estate
  
• International
  
• Corporate
  
• Energy Lending
  
• Special Assets and Credit
  
• Not-for-Profit
  
• Community Lending and Diverse Markets
  
• Syndications
  

The rotational system offers each Credit Analyst equal and in-depth exposure to all of the lending groups, which facilitates the placement process and ensures the development of well-rounded Bank Officers.

Career Path

Participants who successfully complete the Officer Development Program can anticipate an exciting

career path in banking.

• Placement out of the program is dependent on employee tenure, performance, and staffing needs and generally takes place around 16 to 26 months following employment.
  
• The first promotion out of the ODP is to a Line of Business Associate, Officer or a similar position within a specific area of the bank. Officers have formal loan portfolio responsibilities with a focus on and exposure to business development and loan portfolio management.
  
• The next promotion is to either Relationship Manager I or Portfolio Manager I, Assistant Vice
  
• President or a similar position within a specific area of the bank and is dependent on employee tenure, performance, and the amount of time that has lapsed since being promoted to Officer. This promotion typically comes between the 3rd and 4th year of employment.

For more information, visit us online at: www.amegybank.com

Qualifications

Minimum Qualifications:

Amegy Bank is looking for highly motivated self-starters who have:

• Earned a BBA in Finance or Accounting
• Minimum overall GPA of 3.0
• Completed a minimum of 9 hours of accounting including Intermediate I
• Excellent communication, presentation, and interpersonal skills
• Detail oriented, organized, analytical, and proven problem solving abilities
• Leadership skills and community involvement
• Internship or prior work experience is a plus

Schedule
: Full-time

hours per week: 40

Work Locations
: Texas-Houston-TX – Amegy Tower

TX – Amegy Tower

1717 W. Loop South

Houston 77027