Commercial Credit Analyst
Uvalde, TX (Onsite) | Full Time
About the Bank
Our client is a well-established, independent community bank serving South Texas with a loan portfolio of more than $650 million. Its commercial credit team underwrites complex relationships and partners with a dozen or more banks on participation loans. This is an opportunity to see full deals end to end and work directly alongside senior leadership.
The Role
The bank is seeking a seasoned Credit Analyst to underwrite and analyze commercial credits ranging from $250,000 to $30 million. You will work independently on complex commercial real estate, commercial and industrial, and agricultural loans, and serve as a trusted analytical partner to the bank's commercial lenders. This is an onsite role.
What You'll Do
- Spread and analyze business and personal financial statements and tax returns, including multi-entity and global cash flow analysis.
- Prepare complete credit memorandums for new requests, renewals and modifications, with clear risk assessment and recommendations.
- Underwrite commercial real estate (owner-occupied and investor), C&I lines of credit and term loans, and agricultural credits.
- Analyze and underwrite participation loans bought and sold with 12+ partner banks, and prepare participation packages.
- Evaluate collateral, repayment sources, guarantor strength, covenants and industry risk.
- Work directly with commercial lenders to structure deals, and communicate with borrowers' CPAs and accountants to obtain and clarify financial information.
- Perform annual reviews, covenant monitoring and risk rating support across the portfolio.
- Support credit risk management on portfolio analysis, loan policy compliance and regulatory exam preparation.
What You Bring
- Several years of commercial credit analysis or underwriting experience at a bank, Farm Credit institution or similar lender.
- Strong financial analysis skills: statement spreading, cash flow analysis, ratio analysis and tax return analysis.
- Experience with complex CRE and C&I credits; agricultural lending exposure is a plus.
- Bachelor's degree in Accounting preferred; Finance or a related field with basic-to-intermediate accounting coursework considered.
- Ability to work independently with a high degree of accuracy and attention to detail.
- Clear, professional communication with lenders, executives and outside accountants.
- Formal credit training (e.g., RMA or a bank credit training program) and participation lending experience preferred.
Why This Opportunity
- Own credits up to $30M from start to finish rather than a narrow slice at a large institution.
- Direct exposure to the bank's executive and credit leadership.
- Variety across CRE, C&I, agricultural and participation lending.
- Be the onsite anchor of the credit team, with high visibility and real influence.
- Competitive base salary commensurate with experience, plus a full bank benefits package.
This search is being conducted confidentially by Harrison Gray Search & Consulting.