Credit Analyst I: Path to Commercial Lending

Prosperity Bank; Lubbock, Northern (TX, KY); Hybrid; USD 50,000 - 70,000; Full time

Job summary

Prosperity Bank is seeking a Credit Analyst I in Lubbock, TX to assess credit risk by analyzing financial statements and related data for loan decisions. The role involves underwriting, collateral analysis, and supporting loan officers across commercial portfolios.

Ideal candidates have a bachelor’s degree in business/admin/finance with accounting/finance hours and at least one year of banking experience. Opportunities for growth exist within the two-year Credit Analyst program.

Qualifications

• Bachelor’s Degree in Business Administration, Accounting, or Finance with a minimum of accounting and/or finance hours.
• Minimum two-year banking experience preferred.
• Strong analytical skills to interpret complex financial information and identify risks.
• Ability to handle multiple transactions and meet deadlines.
• Strong verbal and written communication skills.

Responsibilities

• Spread and analyze commercial financial statements for loan customers.
• Conduct financial analysis and basic underwriting of loan packages.
• Perform loan reviews of existing commercial loans.
• Recommend credit grades based on borrower creditworthiness.
• Identify documentation exceptions and evaluate underwriting.
• Analyze CRE stress tests and rent rolls, budgets, and feasibility studies.
• Assist with additional duties as assigned.

Skills

Multitask

Analytical skills

Communication skills

Education

Bachelor’s Degree in Business Administration, Accounting, or Finance with accounting/finance hours

Job description

Prosperity Bank is seeking a Credit Analyst I in Lubbock, TX to assess credit risk by analyzing financial statements and related data for loan decisions. The role involves underwriting, collateral analysis, and supporting loan officers across commercial portfolios.

Ideal candidates have a bachelor’s degree in business/admin/finance with accounting/finance hours and at least one year of banking experience. Opportunities for growth exist within the two-year Credit Analyst program.