Commercial Credit Analyst II: Risk & Lending

Texas-Heritage-National-Bank; Austin (TX); On-site; USD 65,000 - 90,000; Full time

Job summary

Texas-Heritage-National-Bank seeks a Credit Analyst II to independently analyze business and financial records for commercial loan decisions. You will evaluate financial statements, industry ratios, market risk, collateral, and projections to make informed credit recommendations.

In this role, you will work with loan officers, lending staff, and customers under the Director of Credit Administration to ensure accurate underwriting, covenants, and timely documentation while upholding regulatory

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field is required.
• Three or more years of commercial credit analysis experience within a bank or financial institution is required; banking experience in related areas will be considered.
• Proficiency in Microsoft Office (Excel and Word); experience with financial spreading software preferred.

Responsibilities

• Analyzes the financial data of new and existing borrowers and independently prepares credit requests and reviews of existing credits.
• Provides background on clients, transaction summaries, projection modeling, loan covenant and condition compliance, profitability, risk rating, and industry analyses.
• Assists in determining the best loan structure and supports credit decisions through thorough analysis and recommendations.
• Monitors covenant and reporting compliance; assists in annual reviews and renewals; communicates exceptions to the Director of Credit Administration.
• Collaborates with loan officers during underwriting, including client calls and meetings to understand borrower needs.
• Supports file completeness and timely documentation through coordination with loan operations staff.
• Maintains knowledge of lending policies, procedures, and regulatory guidelines; adheres to internal policies and protects confidential information.

Skills

Credit analysis

Analytical thinking

Attention to detail

Strong communication

Independent work

Education

Bachelor's degree in Finance, Accounting, Business Administration, Economics, or related field

Tools

Microsoft Office

Excel

Word

Financial spreading software

Job description

Texas-Heritage-National-Bank seeks a Credit Analyst II to independently analyze business and financial records for commercial loan decisions. You will evaluate financial statements, industry ratios, market risk, collateral, and projections to make informed credit recommendations.

In this role, you will work with loan officers, lending staff, and customers under the Director of Credit Administration to ensure accurate underwriting, covenants, and timely documentation while upholding regulatory