Credit Officer

Schertzbank; Schertz (TX); On-site; USD 110,000 - 140,000; Full time

Job summary

Schertzbank is seeking a Credit Officer in Schertz as a full-time position. The role will mentor the Credit Department, review credit requests and annual reviews, and assist the Chief Credit Officer with policies, procedures, reporting and projects.

Collaboration with Loan Officers and Credit staff ensures effective risk evaluation of the loan portfolio. The officer will participate in the Executive Loan Committee, train analysts, review risk ratings, and help implement loan policies and

Qualifications

• Bachelor’s degree in finance, accounting, economics or related business field.
• Minimum of 10 years experience in commercial loan underwriting/credit administration.
• Alternatively, a minimum of 15 years experience may substitute for the above education requirement.

Responsibilities

• Act as a voting member of the Executive Loan Committee.
• Assist in training and mentoring a team of credit analysts/portfolio analysts.
• Review credit requests and loan modifications for accuracy and provide feedback to credit analysts and loan officers.
• Review risk rating analysis and Criticized/Classified Asset Reports and provide feedback.
• Approve requests such as borrowing bases and construction draws.
• Prepare assigned board reports.
• Assist Chief Credit Officer in developing loan policies, procedures & templates.
• Assist in collection efforts and collaborate with outside counsel of the Bank when necessary.
• Assist with projects and exams/loan reviews as assigned.
• Attend/complete assigned training.
• Comply with and enforce all Bank policies/procedures and regulatory requirements/laws.
• Maintain Company and customer confidentiality.
• Perform additional duties as assigned.

Skills

Financial spreading software

Analytical skills

Interpersonal skills

Detail oriented

Time management

Excel proficiency

Financial market knowledge

Education

Bachelor's degree in finance/accounting/economics

10+ years commercial loan underwriting/credit administration

Alternative: 15 years experience may substitute

Job description

Full Time; Schertz – Main Location. Posted on 6/9/2026.

Job Title

Credit Officer

Career Details

• Reports to: Chief Credit Officer
• Department: Credit
• FLSA Status: Exempt
• Location: Schertz – Main Location

Job Summary

The Credit Officer will support the Bank in many capacities including mentoring Credit Department staff, reviewing credit requests/annual reviews, and assisting the Chief Credit Officer with policies, procedures, reporting and projects. The Credit Officer collaborates with Loan Officers, Credit Department staff, and Loan Operations to ensure effective management and risk evaluation of the loan portfolio.

Key Responsibilities

• Act as a voting member of the Executive Loan Committee, contributing expertise and insights.
• Assist in training and mentoring a team of credit analysts/portfolio analysts.
• Review credit requests and loan modifications for accuracy and provide feedback to credit analysts and loan officers.
• Review risk rating analysis and Criticized/Classified Asset Reports and provide feedback.
• Approve requests such as borrowing bases and construction draws.
• Prepare assigned board reports.
• Assist Chief Credit Officer in developing loan policies, procedures & templates.
• Assist in collection efforts and collaborate with outside counsel of the Bank when necessary.
• Assist with projects and exams/loan reviews as assigned.
• Attend/complete assigned training.
• Comply with and enforce all Bank policies/procedures and regulatory requirements/laws.
• Maintain Company and customer confidentiality.
• Perform additional duties as assigned.

Education

• Bachelor’s degree in finance, accounting, economics or related business field.
• A minimum of 10 years of applicable experience in commercial loan underwriting/credit administration.
• Alternatively, a minimum of 15 years of applicable experience may be substituted for the above educational requirement.

Skills

• Familiarity with financial spreading software and bank core systems.
• Strong analytical, critical thinking and organizational skills.
• Effective written and verbal interpersonal skills and ability to work well with customers and internal teams.
• Maintains professional demeanor at all times.
• Detail-oriented.
• Ability to work independently and possess excellent time management and prioritization skills.
• Proficient in financial and office software (Excel, financial modeling tools, etc.).
• Strong understanding of financial market conditions.