Commercial Credit Analyst – Lending Risk & Analysis

Security State Bank & Trust; Fredericksburg (TX); Hybrid; USD 60,000 - 80,000; Full time

Job summary

Security State Bank & Trust in Fredericksburg, Texas, is seeking a Credit Analyst responsible for analyzing and underwriting commercial loan requests. The role evaluates borrower financial performance, assesses credit risk, and prepares comprehensive credit analyses.

The ideal candidate will possess strong analytical and communication skills, with experience in loan analysis or commercial lending. The position offers a full-time role with a flexible hybrid opportunity in the future.

Qualifications

• 1 year of loan analysis or commercial lending experience required.
• Strong understanding of GAAP.
• Ability to adapt to growing business needs.

Responsibilities

• Analyze financial statements and credit information to assess borrower performance.
• Prepare comprehensive commercial credit memoranda and approval packages.
• Ensure credit files remain current and compliant with guidelines.

Skills

Loan analysis

Financial statement analysis

Communication skills

Analytical skills

Proficiency in Microsoft Excel

Education

Bachelor’s degree in Accounting, Finance, or related field

Tools

Microsoft Office

nCino

Core banking systems

Job description

Security State Bank & Trust in Fredericksburg, Texas, is seeking a Credit Analyst responsible for analyzing and underwriting commercial loan requests. The role evaluates borrower financial performance, assesses credit risk, and prepares comprehensive credit analyses.

The ideal candidate will possess strong analytical and communication skills, with experience in loan analysis or commercial lending. The position offers a full-time role with a flexible hybrid opportunity in the future.