Credit Analyst I

UBank; Plano (TX); On-site; USD 55,000 - 75,000; Full time

Benefits offered by this job

Medical, Dental, and Vision

401(k) with Company Match

Paid Time Off and Holidays

Career Development

Job summary

UBank is seeking a Credit Analyst I to independently analyze, underwrite, and document commercial credit requests, including renewals and periodic reviews. You will assess borrower performance, collateral, and loan structure to support timely credit decisions.

The role requires 1–2 years of commercial credit experience, a bachelor's degree, and proficiency with financial analysis and Microsoft Office. Offices are in Plano, TX with standard bank credit workflows.

Qualifications

• Bachelor’s degree in a relevant field required.
• 1-2 years of commercial credit experience.
• Knowledge of financial statement and cash flow analysis.

Responsibilities

• Independently analyze and underwrite commercial and industrial loan requests.
• Prepare credit memoranda with financial spreads and collateral evaluation.
• Identify key credit risks and communicate them clearly to lenders and credit leadership.
• Ensure adherence to credit policy and regulatory expectations.
• Attend loan committee and credit meetings; support portfolio monitoring.

Skills

Credit analysis

Financial statement analysis

Cash flow analysis

Underwriting

Communication skills

Microsoft Office

AI interest

Education

Bachelor's degree

Tools

Microsoft Office

Core banking platforms

Credit software

Job description

Department: Credit
Reports To:Senior Credit Analyst
Status: Exempt Salary

Supervisory Responsibilities:No

JOB SUMMARY

The Credit Analyst I is responsible for independently analyzing, underwriting, and documenting commercial credit requests, including new credit extensions, renewals, extensions, and periodic credit reviews. This role evaluates borrower and guarantor financial performance, collateral support, loan structure, and key risks; prepares clear, well-supported credit presentations; and supports timely, sound credit decisions.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Independently analyze and underwrite commercial and industrial, commercial real estate, and related loan requests, subject to review by a senior analyst or credit officer
• Prepare complete, accurate, and well-supported credit memoranda, including financial spreads, global cash flow analysis, repayment analysis, collateral evaluation, guarantor analysis, risk ratings, covenant analysis, and supporting documentation
• Identify and clearly communicate credit strengths, weaknesses, opportunities, threats, trends, exceptions, and mitigating factors
• Evaluate collateral, appraisal reports, guarantor support, and loan structures for credit soundness and policy compliance
• Ensure adherence to the Bank’s credit policy, underwriting standards, risk appetite, and regulatory expectations
• Complete credit requests, renewals, extensions, annual reviews, covenant monitoring, appraisal reviews, and other recurring credit administration tasks; support portfolio monitoring, watchlists, stress testing, and special projects as assigned
• Attend weekly loan committee and credit meetings
• Participate in customer meetings and site visits as requested
• Participate in continuous improvement efforts related to underwriting processes, templates, automation, and credit workflows

QUALIFICATIONS

• 1-2 years of experience in commercial credit analysis, underwriting, or credit administration within a bank or financial institution
• Working knowledge of financial statement analysis, cash flow analysis, collateral evaluation, loan structuring, banking regulations, and credit risk management principles
• Ability to analyze borrower performance, identify key credit risks and strengths, and communicate them to lenders, portfolio managers, and credit leadership
• Ability to work independently while maintaining effective collaboration with lenders, portfolio managers, and the credit team
• Excellent verbal, written and interpersonal communication skills
• Strong proficiency with technology and software, including Microsoft Office (Word, Excel, PowerPoint), and ability to learn core banking platforms. Experience with AI and interest in emerging technologies is a plus
• Ability to adapt to shifting business needs, evolving responsibilities, and process changes
• Strong analytical, critical-thinking, and problem-solving skills

Education and Experience

Bachelor’s degree in a relevant field required.

SUCCESS METRICS

• Produces complete, accurate, and well-supported credit analyses with minimal material revisions
• Completes credit requests, renewals, annual reviews, extensions, and other assigned underwriting responsibilities within established deadlinesConsistently identifies and clearly communicates key credit risks, trends, exceptions, mitigating factors, and repayment considerations
• Maintains compliance with UBank credit policy, underwriting standards, risk appetite, and regulatory expectations while effectively managing recurring credit responsibilities
• Demonstrates continued growth in independent underwriting capability, credit knowledge, collaboration, and contribution to process improvements

PERSONAL COMPETENCIES THAT WILL LEAD TO SUCCESS

• Analytical Thinking
• Attention to Detail
• Data Accuracy
• Problem Solving
• Quality Focus
• Teamwork
• Time Management

Why You'll Love Working Here

At UBank, we believe taking care of our employees is just as important as taking care of our customers. That's why we offer a comprehensive benefits package designed to support your health, financial well-being, professional growth, and work-life balance.

Benefits may include:

• Medical, Dental, and Vision Insurance
• Employer-Paid Life and Disability Insurance
• 401(k) with Company Match
• Paid Time Off and Paid Holidays
• Employee Banking Benefits
• Wellness and Employee Assistance Programs
• No Co-Pay Urgent Care and RX Benefit
• Career Development and Training Opportunities
• Voluntary Supplemental Benefits
• Flexible Spending and Health Savings Account Options
• Legal and Identity protection benefit
• Pet Insurance
• Opportunities to Give Back Through Community Involvement

We are an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, veteran status, or any other characteristic protected by applicable law. We are committed to creating an inclusive and equitable workplace where everyone feels valued and empowered.If you need assistance or an accommodation during the application or hiring process, please contact us at [e-mail]