Credit Analyst

Addison Group; Dallas (TX); On-site; USD 80,000 - 100,000; Full time

Benefits offered by this job

Health benefits

Dental benefits

Vision benefits

Paid time off

Retirement plan

Job summary

The Addison Group is seeking a Credit Analyst in Dallas, TX to evaluate financial information, assess credit risk, and support lending decisions across commercial and real estate portfolios.

The ideal candidate will analyze financial statements, exhibit strong attention to detail, and communicate clear recommendations to lending teams and leadership. This is a direct-hire, full-time role with a comprehensive benefits package.

Qualifications

• Experience analyzing financial statements and business credit
• Understanding of GAAP accounting principles
• Familiarity with regulatory requirements for commercial lending
• 2+ years of credit analysis within financial services

Responsibilities

• Assign risk classifications and provide recommendations on credit approvals/declines
• Underwrite and monitor commercial and commercial real estate loans
• Support lenders in evaluating credit opportunities and documenting rationale
• Contribute to portfolio analysis, stress testing, and regulatory submissions
• Review balance sheets, income statements, cash flows, and tax returns for credit risk assessment
• Assess borrower strengths, repayment capacity and other risk factors

Skills

Credit analysis

GAAP accounting

Regulatory compliance

Financial statements analysis

Job description

Job Title: Credit Analyst

Location (city, state): Dallas, TX

Work Schedule: M - F, 8 am - 5 pm

Type of Employment: Direct Hire

Compensation: $80,000 - $100,000 / Year

Industry: Financial Services

Benefits: This position is eligible for a comprehensive benefits package, including health, dental, vision, paid time off, retirement savings options, and other employer-sponsored benefits.

Job Description

Addison Group is hiring a Credit Analyst on behalf of our client. This position will evaluate financial information, assess credit risk, and support lending decisions across commercial and real estate portfolios. The ideal candidate will have experience analyzing financial statements and business credit, strong attention to detail, and the ability to communicate recommendations effectively to lending teams and leadership.

Key Responsibilities

• Assign appropriate risk classifications and provide recommendations regarding the approval or decline of credit requests.
• Partner with lending teams on the underwriting, ongoing administration, monitoring, and reporting of commercial and commercial real estate loans.
• Support lenders in evaluating credit opportunities and documenting the rationale behind lending recommendations.
• Contribute to credit risk management activities, including portfolio analysis, stress testing, management reporting, board reporting, and regulatory submissions.
• Review financial documents such as balance sheets, income statements, cash flow information, and tax returns to evaluate an applicant's overall financial position and credit risk.
• Assess borrower strengths, weaknesses, repayment capacity, and other relevant factors to support informed lending decisions.

Qualifications

• Working knowledge of commercial and commercial real estate lending and underwriting principles.
• Familiarity with regulatory requirements and risk considerations applicable to commercial lending.
• Strong understanding of GAAP accounting principles and the ability to analyze corporate financial performance.
• 2+ years of experience of credit analysis within financial services

Addison Group is an Equal Opportunity Employer. Addison Group provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, gender, sexual orientation, national origin, age, disability, genetic information, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state and local laws. Addison Group complies with applicable state and local laws governing non-discrimination in employment in every location in which the company has facilities. Reasonable accommodation is available for qualified individuals with disabilities, upon request.