Credit Analyst - Austin, Houston or Dallas

Job Description: Credit Analyst (Commercial Banking)

Position Summary

The Credit Analyst supports the commercial lending function by underwriting loan requests, preparing credit packages, and ensuring timely and accurate analysis of borrower financials. This role is part of the production-facing credit team and plays a critical role in supporting loan growth and maintaining credit quality.

Key Responsibilities

• Analyze financial statements, tax returns, and borrower creditworthiness
• Prepare credit approval packages for new loans, renewals, and modifications
• Underwrite deals across:
• • Commercial Real Estate (CRE)
  • Construction & Development
  • C&I lending
• Manage multiple deals simultaneously at varying levels of complexity
• Partner with Credit Managers to refine deal structure and mitigate risk
• Ensure completeness and accuracy of credit files before submission
• Support ongoing deal flow and meet expected turnaround times
• Utilize systems (e.g., nCino) to input and manage deal data
• Assist with revisions and re-underwriting as needed

Performance Expectations

• Manage a pipeline of multiple deals simultaneously (typically 4–5+)
• Deliver high-quality work with attention to detail
• Meet turnaround expectations based on deal complexity (not volume-based quotas)

Qualifications

• Bachelor’s degree in Finance, Accounting, or related field
• 1–5+ years of credit analysis or underwriting experience (for experienced roles)
• Strong financial analysis and modeling skills
• Understanding of commercial lending structures
• Ability to work in a fast-paced, deadline-driven environment
• Strong organizational and communication skills

Career Path & Growth

• Defined progression:
• • Credit Analyst I / II
  • Senior Credit Analyst
  • Portfolio Manager (client-facing exposure)
• Opportunity to transition into lending or leadership roles over time

Work Environment

• In-office role (limited remote flexibility)
• Collaborative team environment with exposure to senior leadership