Commercial Credit Analyst

Sunflower Bank Mortgage Lending; Houston (TX); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

401(k) Plan with 6% Match

Health/Dental/Vision Insurance

Company-paid Life Insurance

Tuition Reimbursement

Fitness Reimbursement

Paid Time Off

Volunteer Leave

Paid Holidays

Job summary

Sunflower Bank, N.A. in Houston, TX is seeking a Commercial Credit Analyst to support Commercial Credit Underwriters with financial analysis and underwriting activities.

The role involves developing proficiency in spreads, financial modeling, and applying bank credit policies while monitoring loan covenants and collateral structures to support commercial clients and internal partners.

Qualifications

• Bachelor’s Degree in Accounting, Finance or related field.
• 1+ years in commercial lending and credit analysis.
• Proficiency in Word/Excel.
• Aptitude for quickly learning new systems (Salesforce.com and nCino).
• Excellent verbal and written communication.
• Detail-oriented with ability to meet deadlines.
• Willingness to travel as needed.

Responsibilities

• Assist with financial analysis and risk assessment for underwriting decisions.
• Support credit underwriters in preparing memoranda for amendments and reviews.
• Develop proficiency in spreading and financial modeling tools.
• Understand credit policies and risk metrics and apply them daily.
• Monitor borrower financial performance and loan covenants.
• Conduct industry research and prepare trend overviews.
• Summarize loan conditions and collateral structures.
• Assist with cross-support to related bank products.

Skills

Verbal communication

Written communication

Attention to detail

Time management

Education

Bachelor's Degree in Accounting or Finance

1+ years in commercial lending and credit analysis

Tools

Salesforce.com

nCino Bank Operating System

Microsoft Excel

Microsoft Word

Job description

About Sunflower Bank

At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-service financial institution, we offer a full range of relationship-focused services to meet personal, business, and wealth‑management financial objectives. Creating Possibility is not just our mission; it’s what we do every day for clients and associates. Learn more about Sunflower Bank, N.A. at sunflowerbank.com.

Position Summary

Commercial Credit Analyst – Houston, TX

Description

The Commercial Credit Analyst will support Commercial Credit Underwriters in every aspect of the latter’s day‑to‑day activities.

Responsibilities

• Assist with financial analysis and risk assessment by preparing financial statement spreads, analyzing trends, and supporting credit underwriting decisions.
• Support Credit Underwriters in the preparation of credit memoranda for amendments, waivers, annual reviews, and other requests.
• Develop proficiency in systems and tools used by the credit team, including spreading software, financial modeling tools, and credit approval platforms.
• Build a foundational understanding of the bank’s credit policies, underwriting standards, and risk metrics, and apply them in daily activities.
• Acquire a basic understanding of the bank’s metrics and conditions for extending credit by applying that understanding on a daily basis.
• Develop the ability to monitor borrower financial performance and track compliance with loan covenants and borrowing base requirements.
• Conduct industry research and prepare overviews highlighting trends and conditions impacting clients and prospects.
• Become familiar with loan documentation and capable of producing summaries of important loan conditions and collateral structures.
• Gain an understanding of the bank’s ancillary products important to building the bank’s relationship with its commercial/corporate clients and assist and collaborate with internal partners to support cross‑sell opportunities.

Education / Experience Preferred

• Bachelor’s Degree in Accounting, Finance or other applicable undergraduate or graduate degree.
• 1+ years in commercial lending and credit analysis.
• Must possess excellent Microsoft Office Suite skills, specifically Word/Excel.
• Must possess aptitude for learning new systems and applications quickly, specifically Salesforce.com and nCino Bank Operating System.
• Must possess excellent verbal and written communication skills.
• Must possess ability to prioritize and complete tasks or projects on time with a high level of accuracy and strong attention to detail.
• Must have the ability to remain educated and informed on industry trends, market conditions and regulatory requirements and actively work to continuously develop professionally.
• Ability to handle sensitive information with complete confidentiality and professionalism.
• Must possess ability to understand financial statements, including balance sheets, income statements, and cash flow statements.
• Travel will be required, as needed.

Pay

Pay is dependent on knowledge, skills, abilities, experience, and location.

Working Conditions

The physical demands of this position require the ability to perform essential job functions with or without reasonable accommodation. Employees may spend extended periods sitting or standing, using hands to operate computers or other equipment, and reaching for work‑related tasks. Regular walking may be required, along with occasional bending, stooping, kneeling, or climbing. The role may involve lifting or moving items weighing up to 10 pounds. Vision requirements include close and distance vision, color and peripheral vision, depth perception, and the ability to adjust focus.

Sunflower Bank Benefits

People choose to “bank” with us, but for those we serve, we’re more than a bank. We strive to be the financial backbone of their lives, and we know that starts with our team. Our supportive culture empowers team members to grow and seize new opportunities. Like our namesake, the sunflower, we are:

• Rooted in Strength
• Propelled by Growth
• Individuals in a Great Whole
• Creating Possibility
• Community Focused

Associates Enjoy Outstanding Benefits, Including

• 401(k) Plan with 6% Match
• Health/Dental/Vision Insurance
• Company‑paid Life Insurance
• Tuition Reimbursement
• Fitness Reimbursement
• Paid Time Off
• Volunteer Leave
• Paid Holidays
• Plus many more associate perks & incentives!

Application

If you qualify, apply online at www.sunflowerbank.com/careers.

Equal Opportunity Employer

Sunflower Bank, N.A. is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with a disability, sexual orientation, gender identity, or any other characteristic protected by law.

Additional Information

Open until filled; early application encouraged. This vacancy announcement may be used to fill similar positions within 90 days.

California Residents

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