Credit Analyst & Commercial Lending Underwriter

PlainsCapital Bank; Austin (TX); On-site; USD 70,000 - 100,000; Full time

Job summary

PlainsCapital Bank is seeking a Credit Analyst to support Commercial Lending Officers in underwriting financial transactions across working capital, equipment, real estate and acquisitions. The role ensures proper credit documentation, identifies policy deviations, and assists in ongoing credit monitoring.

Responsibilities include analyzing borrower financials, preparing detailed credit analyses, attending Loan Committee meetings, and traveling for customer meetings as required.

Qualifications

• Bachelor’s degree in a business-related field is required.
• Professional experience in financial, credit, or statistical analysis is preferred.
• Strong verbal, written, and interpersonal communication skills.
• Proficient PC skills including Microsoft Office and related systems.

Responsibilities

• Underwrite financial transactions involving working capital, equipment, real estate and acquisitions.
• Prepare analyses including borrower, guarantor, industry and financial projections.
• Attend Loan Committee meetings and present loan requests as needed.
• Collect and maintain industry data; research external sources for credit insights.
• Monitor credits and assist in loan closings and covenants.

Skills

Financial analysis

Credit underwriting

Communication skills

Excel / MS Office

Education

Bachelor's degree in Business/Finance/Accounting

Tools

Excel

Job description

PlainsCapital Bank is seeking a Credit Analyst to support Commercial Lending Officers in underwriting financial transactions across working capital, equipment, real estate and acquisitions. The role ensures proper credit documentation, identifies policy deviations, and assists in ongoing credit monitoring.

Responsibilities include analyzing borrower financials, preparing detailed credit analyses, attending Loan Committee meetings, and traveling for customer meetings as required.