Credit Analyst: Underwriting & Risk Insights

Socket.dev; Edinburg (TX); On-site; USD 65,000 - 90,000; Full time

Job summary

Texas National Bank in Edinburg, TX is seeking a Credit Analyst to join our risk team. You will analyze credit data, assess risk, and support lending decisions by evaluating financial condition and repayment ability of borrowers.

The role emphasizes integrity, accuracy, and compliance with banking laws. You will prepare loan presentations for management and boards, underwrite requests, maintain client credit files, and collaborate with loan officers to ensure timely, well-documented decisions.

Qualifications

• Excellent analysis, observation and decision-making skills.
• Excellent interpersonal and communication skills.
• Ability to read, analyze and interpret documents such as rules and procedures.
• Familiarity with Windows-based software and banking tools.

Responsibilities

• Prepare loan presentations for management and Board committees.
• Underwrite and recommend disposition of credit requests following bank policies.
• Review financial and collateral data for portfolio reviews and risk factors.
• Study industry trends to predict success of new customers.
• Maintain and secure client credit files and monitor application status.
• Collaborate with loan officers to provide timely, well-documented credit decisions.

Skills

Analytical thinking

Attention to detail

Communication skills

Independent work

Organizational skills

Education

Bachelor's degree in Finance/Accounting/Business Admin

Tools

Microsoft Office

Banking software

Job description

Texas National Bank in Edinburg, TX is seeking a Credit Analyst to join our risk team. You will analyze credit data, assess risk, and support lending decisions by evaluating financial condition and repayment ability of borrowers.

The role emphasizes integrity, accuracy, and compliance with banking laws. You will prepare loan presentations for management and boards, underwrite requests, maintain client credit files, and collaborate with loan officers to ensure timely, well-documented decisions.