Maxwell Noble

About Maxwell Noble

As a Credit Analyst in the Banker Developemnt Program at PlainsCapital Bank, I specialize…

Experience

1. Credit Analyst - Banker Development Program

   PlainsCapital Bank

   Jul 2023 — Present · Dallas, TX, US

   Provides full-service credit analysis and loan monitoring to support Loan Officers within the Dallas market. Through fully analyzing complex commercial loans (CRE, C&I, Term requests), identifying strengths and weaknesses, providing recommendations, and noting any deviations from the Loan Policy as appropriate.Analyzes financial statements (including performance ratios) of all levels of quality to develop initial assessment by identifying strengths and weaknesses as pertaining to borrower’s historical operating performance.Prepares written analyses which include: credit investigation of the borrower and guarantors. Economic and market conditions as they relate to the company, industry, and market area. In-depth historical and projected financial/cash flow analysis, including communicating with the borrower’s accountant to gain a better understanding of the company’s accounting practices. In-depth analysis of the secondary sources of repayment such as collateral. In-depth analysis of a guarantor’s financial position. Identifies borrower’s strengths and weaknessesCollects and maintains industry data; research industry specific information from outside sources, including conversations with the borrower, industry publications, references from other banks, credit agencies, as well as accessing information through the internet.Attends weekly Loan Committee meetings including answering questions regarding credit analysis as necessary.Participates in customer meetings.Processes and establishes accountability pertaining to Commercial Loan Agreement requirements/covenants.