Junior Credit Analyst: Underwriting & Analytics

UBank; Plano (TX); On-site; USD 55,000 - 75,000; Full time

Benefits offered by this job

Medical, Dental, and Vision

401(k) with Company Match

Paid Time Off and Holidays

Career Development

Job summary

UBank is seeking a Credit Analyst I to independently analyze, underwrite, and document commercial credit requests, including renewals and periodic reviews. You will assess borrower performance, collateral, and loan structure to support timely credit decisions.

The role requires 1–2 years of commercial credit experience, a bachelor's degree, and proficiency with financial analysis and Microsoft Office. Offices are in Plano, TX with standard bank credit workflows.

Qualifications

• Bachelor’s degree in a relevant field required.
• 1-2 years of commercial credit experience.
• Knowledge of financial statement and cash flow analysis.

Responsibilities

• Independently analyze and underwrite commercial and industrial loan requests.
• Prepare credit memoranda with financial spreads and collateral evaluation.
• Identify key credit risks and communicate them clearly to lenders and credit leadership.
• Ensure adherence to credit policy and regulatory expectations.
• Attend loan committee and credit meetings; support portfolio monitoring.

Skills

Credit analysis

Financial statement analysis

Cash flow analysis

Underwriting

Communication skills

Microsoft Office

AI interest

Education

Bachelor's degree

Tools

Microsoft Office

Core banking platforms

Credit software

Job description

UBank is seeking a Credit Analyst I to independently analyze, underwrite, and document commercial credit requests, including renewals and periodic reviews. You will assess borrower performance, collateral, and loan structure to support timely credit decisions.

The role requires 1–2 years of commercial credit experience, a bachelor's degree, and proficiency with financial analysis and Microsoft Office. Offices are in Plano, TX with standard bank credit workflows.