Credit Analyst

Benchmark Search; Dallas (TX); On-site; USD 65,000 - 80,000; Full time

Job summary

Join a growing community bank as a Credit Analyst, where your analytical skills will help shape sound lending decisions. This role offers a unique opportunity to work closely with senior leadership and make a lasting impact in a culture that values servant leadership and collaboration. Ideal for those looking for career stability and professional growth, this position allows you to enhance your expertise in credit analysis while contributing to the bank's success. If you're detail-oriented and eager to thrive in a supportive environment, this is the perfect opportunity for you.

Qualifications

• 1-4+ years of experience in credit analysis and commercial banking.
• Strong understanding of financial analysis and underwriting principles.

Responsibilities

• Conduct detailed financial statement and cash flow analysis.
• Prepare comprehensive credit memos and risk assessments.

Skills

Credit Analysis

Financial Statement Analysis

Risk Assessment

Excel Proficiency

Communication Skills

Education

Bachelor's degree in Finance

Bachelor's degree in Accounting

Bachelor's degree in Economics

Tools

Financial Spreading Software

Job description

Get AI-powered advice on this job and more exclusive features.

Are you a detail-driven Credit Analyst who thrives in a collaborative, growth-minded environment? If you're looking to build a long-term credit career with a stable and expanding community bank known for its servant leadership culture, this could be the right move.

Industry: Commercial Banking | Credit Analysis | Middle Market Lending

A growing, relationship-focused community bank that’s looking to add a skilled Credit Analyst to its team. This is an opportunity to make a lasting impact, working closely with Relationship Managers and senior credit leadership to support sound commercial lending decisions. This position can be either a credit analyst or a senior credit analyst, based on experience.

Why this opportunity stands out:

• Culture-first: You’ll be joining a bank where servant leadership and team-oriented values are more than just buzzwords.
• Career stability: Ideal for someone who enjoys the craft of credit and wants to deepen their expertise in a long-term role, not just pass through.
• Visibility & impact: Direct interaction with senior leadership and participation in credit committee-level work.
• Growing institution: A stable bank that's scaling—offering room for advancement, professional development, and portfolio exposure.

Key Responsibilities:

• Conduct detailed financial statement and cash flow analysis on new and existing commercial borrowers (C&I and CRE).
• Evaluate creditworthiness through income statements, balance sheets, debt coverage ratios, and industry benchmarking.
• Prepare comprehensive credit memos and risk assessments for loan committee review.
• Ensure compliance with loan covenants and internal credit policies; escalate exceptions as needed.
• Assist in portfolio monitoring, risk rating updates, and annual reviews.
• Generate and interpret portfolio performance and documentation reports for internal stakeholders and regulators.

Qualifications:

• Bachelor's degree in Finance, Accounting, Economics, or related field.
• 1–4+ years of experience in credit analysis, commercial banking)
• Formal credit training preferred but not required.
• Strong understanding of financial analysis, risk assessment, and underwriting principles.
• Advanced proficiency in Excel; exposure to loan systems or financial spreading software is a plus.
• Excellent written and verbal communication skills; able to present findings with clarity and confidence.

Seniority level

• Seniority level

  Associate

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance and Accounting/Auditing

• Industries

  Banking

Referrals increase your chances of interviewing at Benchmark Search by 2x

Sign in to set job alerts for “Credit Analyst” roles.

Asset & Wealth Management, Private, Risk Structuring & Finance Analyst - Dallas

Risk (Capital, Liquidity, and Market) | Analyst | Dallas

Credit Risk and Analysis | Analyst | Dallas

Asset & Wealth Management, Multi-Asset Solutions, Trading & Risk Solutions, Analyst

Credit Analyst II (Full Time) - Sterling Plaza- Dallas

Global Banking & Markets, Private Markets Investing & Lending, Corporate Credit Analysis, Analyst/Associate - Dallas

K-Star Direct Lending Investor Reporting Analyst

Asset & Wealth Management, Private Wealth Management, Partner Family Office, Financial Analyst - Dallas

Dallas, TX $80,000.00-$80,000.00 5 days ago

Dallas, TX $65,000.00-$75,000.00 3 weeks ago

Commercial Credit Analyst I - Commercial Vehicle Lending

We’re unlocking community knowledge in a new way. Experts add insights directly into each article, started with the help of AI.