Credit Analyst II — Loan Analytics & Underwriting

First United Bank; Temple (TX); On-site; USD 70,000 - 95,000; Full time

Job summary

First United Bank in Temple seeks a Credit Analyst II to evaluate loan applicants, analyze financial statements, and project cash flow to determine creditworthiness.

You will prepare detailed memos for Loan Officers, support underwriting decisions, and help manage risk across a portfolio ranging from mid to large credits.

The role emphasizes accuracy, timely reporting, and collaboration with a team of bankers focused on responsible lending.

Qualifications

• Bachelor’s degree in Finance, Accounting or related field.
• 3–5 years of credit analysis experience.
• Experience with credit systems.
• Underwriting expertise in CRE or C&I lending.
• Ability to analyze financial statements and write concise memos.

Responsibilities

• Analyze loan data for new, renewal and existing loans.
• Prepare memos, spreadsheets, reports, summaries and opinions within deadlines.
• Manage exposure and structure transactions per policy.
• Maintain loan files and notify Officers of potential issues in a timely manner.
• Provide technical advice to Loan Officers.

Skills

Credit analysis

Financial analysis

Excel proficiency

Underwriting

Written communication

Education

Bachelor's degree in Finance, Accounting or related field

3–5 years credit analysis experience

Experience with credit systems

CRE or C&I underwriting knowledge

Tools

Excel

Job description

First United Bank in Temple seeks a Credit Analyst II to evaluate loan applicants, analyze financial statements, and project cash flow to determine creditworthiness.

You will prepare detailed memos for Loan Officers, support underwriting decisions, and help manage risk across a portfolio ranging from mid to large credits.

The role emphasizes accuracy, timely reporting, and collaboration with a team of bankers focused on responsible lending.