Credit Analyst Training Program Details

Introduction to Bank Compliance

This training encompasses an in-depth discovery of the many rules and regulations that govern banking. It covers topics such as the Equal Credit Opportunity Act, the Bank Secrecy and Anti-Money Laundering Act, Fair Lending regulations, Financial Credit Reporting Act, Community Reinvestment Act, Home Mortgage Disclosure Act, Cybersecurity Fundamentals, Robbery and Bank Security and Sexual and Workplace Harassment. It also covers the Flood Disaster Protection Act, Bank Bribery Act, Bank Protection Act, the Office of Foreign Asset Control, Active Aggressor for Employees, Appraisals: FIRREA and Interagency Guidelines and Information Security and Red Flags. As you can see, banking is a well-regulated industry and knowing how to stay in compliance is a very important part of the knowledge necessary to be a successful banker. 

Moody’s/Omega Performance Credit Training

This formal training program first covers the Financial Accounting for Lenders; encompassing the Financial Accounting Framework, Accrual Accounting Basics, The Balance Sheet: Assets, The Balance Sheet: Liabilities and Equity, The Income Statement, Connecting Statements and Levels of Assurance, Understanding Business Cash Flow and Complex Accounting for Corporations. 

Secondly, the training covers the Commercial Loans to Small Business encompassing the topics of Assessing the Opportunity, Identifying Borrowing Causes, Assessing Business, Industry and Management Risk, Analyzing Business Financial Statements, Analyzing Personal Financial Statements, Analyzing Cash Flow and Projections and Structuring the Loan. 

Introduction to Loan Documentation

Presented by Robin Russell of Hunton Andrews Kurth LLP, this comprehensive 2-part virtual series, customized to Texas law, provides a thorough understanding of the documentation used in today’s complex lending transactions and comes with a 237-page handout.  

Session 1 begins with a review of UCC legal principles, practices, and standard security agreements. The basic characteristics of the various types of legal entities (i.e., corporations, partnerships, trusts, etc.) which borrow or guarantee loans and the documentation required for each is also discussed.

Session 2 addresses perfection requirements for securing a loan by all types of UCC and non-UCC business and consumer collateral and priorities among lenders.

Introduction to Loan Closing

This training is done through shadowing our loan administration personnel on the loan closing process and training on the required loan documentation by loan type and common issues that arise in the loan closing process.

Introduction to Treasury Management

This training focuses on understanding the business and individual focused deposit products offered by the bank and the processes and procedures necessary to administer and sell them. This encompasses cash management system demonstrations and training. Other products that are risk based are covered such as electronic payments (ACH and Wires) and Loan Credit Sweeps. Fraud prevention is also trained on to prevent corporate account takeover. 

Introduction to Product Partner Sales

The bank has relationships with other companies who provide products and services to our customers through referrals. This training covers insurance referrals, merchant credit card referrals, credit card referrals and non-bank financing referrals.

Negotiation Skills

Negotiation is an integral part of becoming a successful banker. This training will seek to maximize your ability to achieve enhanced returns for the bank through creating additional value for, and better serving, the bank’s existing and prospective customers.

Sales and Business Development

This training is delivered by senior executives of Texas Security Bank. This course covers the ins and outs of the bank’s business development process.