Credit Analyst I

Woodforest National Bank; The Woodlands (TX); In loco; USD 55.000 - 75.000; Tempo pieno

Descrizione del lavoro

Woodforest National Bank in The Woodlands, TX is seeking a Credit Analyst I to compile and analyze financial data to determine credit risk and support loan underwriting decisions. The role involves gathering information, preparing underwriting packages, and communicating results to Relationship and Portfolio Managers.

The position requires strong analytical skills, MS Office proficiency, and the ability to manage multiple tasks in a fast-paced environment.

Competenze

• 1+ years’ experience with analytical tools such as Excel.
• 1+ years’ experience in group settings and/or on non-complex business projects involving advanced calculations.
• 1+ years’ experience in banking or financial services with exposure to Credit Risk management or lending compliance preferred.

Mansioni

• Gather underwriting data by interviewing customers and obtaining credit reports and financial statements.
• Spread financial statements and analyze cash flow, trends, and industry factors to assess risk and profitability.
• Prepare underwriting packages and present results in writing.
• Monitor pipeline and reports; coordinate with Relationship and Portfolio Managers on status of requests.
• Maintain credit files and retrieve documents for audits.

Conoscenze

Lending concepts

Credit risk

Office skills

Analytical skills

Attention to detail

Critical thinking

Communication skills

Formazione

Bachelor's degree in Accounting/Finance/Economics

Strumenti

Excel

Word

Outlook

SharePoint

Descrizione del lavoro

Open — Woodforest National Bank has a posting for this job. Posted 22 Oct 2026.

This posting

About this job

Take the next step toward your new career today!
Become a part of the diverse and inclusive team within our nationally recognized award-winning Bank that is one of the strongest in the nation. Woodforest National Bank is privately owned, and our Employee Stock Ownership Plan is the largest shareholder. We focus on building relationships and discovering opportunities to better serve our communities and understand the financial needs of every customer we serve. At Woodforest we care and prove it by volunteering with local charities and foodbanks to give back to the communities we serve. By joining Woodforest you will become a part of one of the largest employee-owned banks in the country!
The Credit Analyst I is responsible for compiling and analyzing financial data to determine the credit risk of new and existing loans. This position prepares underwriting packages and provides input on loan requests in order for a sound credit business decision to be made by Relationship Managers.

Key Responsibilities

• Gathers information needed to underwrite loan packages by conducting customer interviews and requesting credit reports and financial statements on borrowers and guarantors of proposed requests; works to clear any outstanding exceptions.
• Spreads financial statements and conducts comprehensive analyses to determine the degree of risk involved and profitability of extending credit or lending money, such as cash flow, trend and industry analysis.
• Prepares underwriting packages; communicates results and recommendations in a written narrative.
• Monitors and updates pipeline and other department reports; communicates with Relationship and Portfolio Managers on status of pending requests.
• Maintains physical and electronic credit files; retrieves documentation for audits, exams and assessments.

Competencies Required

• Working knowledge of lending and credit risk management concepts, practices and procedures.
• Solid technology and internet skills, including intermediate proficiency in Microsoft Office (Word, Outlook, SharePoint and Excel) and ability to navigate financial software applications.
• Ability to manage multiple responsibilities and projects in a fast-paced environment with competing priorities and deadlines.
• Strong analytical skills with the ability to interpret financial data and identify trends.
• Good attention to detail and concern for data accuracy.
• Excellent critical thinking and decision-making skills; demonstrated ability to make sound business judgments.
• Strong customer service and communication skills, including technical writing abilities.

Minimum Qualifications/Experience

• 1+ years’ experience or exposure working with analytical tools such as excel or similar required.
• 1+ years’ experience working in a group setting and/or on non-complex business projects involving advanced calculations required.
• 1+ years’ experience in the banking or financial services industry with exposure to Credit Risk Management, Consumer/Commercial Loans, or similar lending compliance related work experience preferred.

Formal Education & Certification

• Bachelor’s Degree in Accounting, Business, Finance or Economics required; with a minimum of 12 hours of accounting coursework to include Intermediate Accounting I and II, or an equivalent.

Candidates who are currently completing their degree may be considered; however, the degree must be obtained prior to date of hire.

Work Status

• Full-Time.

Supervisory Responsibility

• None.

Travel

0% - Negligible amount of travel expected.

Working Conditions

Conditions involve lifting no more than fifteen pounds, sitting most of the time, but may involve walking, moving, or standing for brief periods, and occasionally lifting and carrying articles like files, ledgers, folders, etc.

Disclaimer

This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Nothing herein restricts management’s right to assign or reassign duties and responsibilities to this job at any time.

Equal Opportunity

Woodforest is an Equal Opportunity Employer, including Disability and Veterans.