Credit Analyst (SBA Loan Management)

CornerStone Professional Placement; Fort Worth (TX); Hybrid; USD 75,000 - 95,000; Full time

Benefits offered by this job

Comprehensive benefits package

Job summary

CornerStone Professional Placement is seeking an experienced Credit Analyst – SBA Loan Management for a Fort Worth, TX role. The incumbent will oversee a commercial loan portfolio, perform in-depth financial analysis, and support lending and credit teams throughout the life of the loan.

The ideal candidate has 5+ years of commercial banking experience with credit underwriting and SBA 7(a) loan expertise, and a strong foundation in credit risk and regulatory compliance.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or comparable discipline.
• 5+ years in commercial banking with credit underwriting, lending, or portfolio oversight.
• Hands-on SBA 7(a) loan experience required or highly preferred.
• Ability to evaluate business financials, cash flow, repayment capacity, and credit exposure.
• Familiarity with CRE, C&I, and professional practice loans, including covenants and risk controls.

Responsibilities

• Oversee an assigned commercial loan portfolio, ensuring credit quality and alignment with bank policies.
• Conduct in-depth financial analysis and annual credit reviews to evaluate borrower performance and risks.
• Partner with Commercial Lenders on renewals, extensions, and loan structuring while tracking documentation and covenants.
• Assess criticized, classified, and underperforming credits and help develop strategies to reduce exposure.
• Collaborate across Credit, Loan Operations, Compliance, and other teams to strengthen portfolio monitoring and reporting.

Skills

Financial analysis

Credit risk

Portfolio oversight

SBA 7(a) loan experience

Communication with lenders

Education

Bachelor's degree in Finance, Accounting, Business Administration, or comparable discipline

Job description

CornerStone Professional Placement is seeking an experienced Credit Analyst – SBA Loan Management for a Temp-to-Hire opportunity with a respected banking institution in Fort Worth, TX. This position is well suited for a commercial credit professional with hands-on SBA 7(a) lending experience and a strong foundation in financial analysis, credit risk, and portfolio oversight. In this role, you will help maintain the strength and quality of a commercial loan portfolio by evaluating borrower financial performance, identifying potential credit concerns, and partnering with lending and credit teams throughout the life of the loan.

Responsibilities for the Credit Analyst:

• Oversee an assigned commercial loan portfolio, ensuring credit quality, appropriate risk ratings, regulatory compliance, and alignment with established bank policies.
• Conduct in-depth financial analysis and periodic and annual credit reviews to evaluate borrower performance, recognize developing risks, and prepare credit memorandums and supporting documentation.
• Partner with Commercial Lenders on renewals, extensions, modifications, loan structuring, and covenant terms while tracking borrower financial reporting, required documentation, and covenant performance.
• Assess criticized, classified, and underperforming credits and help develop appropriate strategies to reduce exposure while maintaining professional communication with borrowers regarding financial and reporting requirements.
• Work across Credit, Loan Operations, Compliance, and other internal functions to strengthen credit administration and identify opportunities to enhance portfolio monitoring, reporting, and related processes.

Requirements for the Credit Analyst:

• Bachelor’s degree in Finance, Accounting, Business Administration, or a comparable discipline; completion of an RMA or bank-sponsored credit training program is a plus.
• Bring 5+ years of commercial banking experience involving credit underwriting, lending, or portfolio oversight, along with hands‑on SBA 7(a) loan experience.
• Demonstrated ability to evaluate business financials, cash flow, repayment capacity, credit exposure, and overall borrower strength to support sound lending decisions.
• Familiarity with CRE, C&I, and professional practice loans, including credit documentation, borrower covenants, ongoing financial requirements, and portfolio risk controls.
• Proven ability to work through higher‑risk or deteriorating credits while effectively managing priorities and communicating with lenders, borrowers, credit partners, and other banking functions.

Employment Type: Temp-to-Hire

Schedule: Full-Time

Location: Fort Worth, TX (Hybrid)

Salary: $75,000–$95,000 annually, based on experience

Benefits: Comprehensive benefits package available upon hire