Credit Analyst I - Growth Opportunity & Learning Culture

First United Bank; Schertz (TX); On-site; USD 65,000 - 90,000; Full time

Job summary

First United Bank in Schertz, Texas is seeking a Credit Analyst I to assess the financial condition and creditworthiness of individuals and businesses applying for credit. You will analyze loan data, prepare memos and reports, and support Loan Officers in underwriting and structuring transactions.

The role emphasizes strong financial statement analysis, Excel proficiency, and accurate documentation, with a focus on delivering timely decisions and maintaining compliance with bank policies.

Qualifications

• Bachelor’s degree in Finance, Accounting or related field.
• Minimum 3–5 years of credit analysis experience.
• Six months experience with credit systems.
• Underwriting expertise in one or more lending areas (e.g. CRE or C&I).
• Knowledge of accounting enough to analyze financial statements and produce written analysis.

Responsibilities

• Analyzes loan data on new, renewal and existing loans using credit bureau data and bank files.
• Prepares memos, spreadsheets, reports and opinions for Loan Officers within deadlines.
• Manages bank exposure and structures transactions per credit policy.

Skills

Credit analysis

Financial analysis

Excel

Underwriting

Education

Bachelor’s degree in Finance/Accounting

Tools

Credit systems

Job description

First United Bank in Schertz, Texas is seeking a Credit Analyst I to assess the financial condition and creditworthiness of individuals and businesses applying for credit. You will analyze loan data, prepare memos and reports, and support Loan Officers in underwriting and structuring transactions.

The role emphasizes strong financial statement analysis, Excel proficiency, and accurate documentation, with a focus on delivering timely decisions and maintaining compliance with bank policies.