Credit Analyst — Commercial Banking Development Program

PlainsCapital Bank; Austin (TX); On-site; USD 55,000 - 75,000; Full time

Job summary

PlainsCapital Bank is seeking motivated individuals to join our Commercial Banking team as a Credit Analyst through our Commercial Banking Development Program, a full-time, post-graduate program beginning in Summer 2027. This entry-level position offers hands-on experience while participating in an internal development program designed to prepare you for a long-term career in commercial banking.

Through the development program, you will receive structured training across key areas of the bank,

Qualifications

• Bachelor’s degree in business-related field required; finance or accounting preferred.
• Experience in financial, credit, or statistical analysis preferred.
• Excellent verbal, written, and interpersonal communication skills.
• Strong PC skills with MS Office and ability to learn new systems.
• Ability to multi-task in a deadline-driven environment.
• Willingness to travel for training sessions as needed.

Responsibilities

• Analyze financial statements and borrower performance to form initial risk assessments.
• Prepare written credit analyses including borrower and guarantor investigations and cash flow analyses.
• Collaborate with relationship managers, lending leadership, and credit officers on credit proposals.
• Assist in attending loan committee meetings and supporting credit analysis with findings.
• Coordinate appraisals and collateral analysis to inform credit decisions.
• Monitor covenant compliance and escalate breaches in loan agreements.
• Perform annual risk grading of credit relationships for portfolio risk management.
• Engage in additional duties as required.

Skills

Analytical skills

Communication skills

Self-motivated

Time management

Education

Bachelor’s degree in Business (Finance or Accounting preferred)

Tools

Microsoft Office

Job description

PlainsCapital Bank is seeking motivated individuals to join our Commercial Banking team as a Credit Analyst through our Commercial Banking Development Program, a full-time, post-graduate program beginning in Summer 2027. This entry-level position offers hands-on experience while participating in an internal development program designed to prepare you for a long-term career in commercial banking.

Through the development program, you will receive structured training across key areas of the bank,