Sr. LOAN CREDIT ANALYST Job Details

First Liberty Bank; Liberty (TX); On-site; USD 52,000 - 76,000; Full time

Job summary

A financial institution in Liberty, TX is seeking a Loan Credit Analyst to evaluate consumer and business loan applications. This role involves analyzing financial statements, making recommendations for loan approvals, and ensuring compliance with banking regulations. The ideal candidate should hold a bachelor's degree and have 1-3 years of experience in a similar role. Strong customer service and communication skills are essential for this position.

Qualifications

• 1-3 years of experience in a credit analyst role.
• Bachelors and/or credit training; or equivalent experience.

Responsibilities

• Analyze financial statements for loan assessments.
• Prepare reports to assist management in loan decisions.
• Make recommendations for loan approval or denial.
• Assist with consumer underwriting as needed.

Skills

Loan servicing terminology

Banking compliance regulations

Basic math skills

Customer service skills

Effective communication skills

Problem-solving skills

Education

Bachelor's degree or equivalent

Credit training

Equivalent education & experience

Job description

Employment Listings: LOAN CREDIT ANALYST

Department: Loan Department

Salary: Committee Approval

City/State: Liberty, TX

Education: Bachelor’s degree (BA) or equivalent from a recognized college or university

Type: Analyst

Experience: 2-3 years of related Banking experience and/or training; or the equivalent combination of education and experience

Relocation: n/a

Contact Name: Jill Anslum

Contact Email: [e-mail]

Date Posted: 02/03/2026

Description:

Job Title: Credit Analyst
Reports To: Chief Credit Officer
Prepared Date: 1/14/2025
FLSA Status: Non-Exempt

Job Summary

Credit Analyst will be responsible for performing routine duties related to consumer and business loan applications. Prepares supporting documents to assist Loan Officers in evaluating the financial creditworthiness for decisioning loan requests. Support collection efforts under the direction of Loan Officer according to bank policy and procedure. Assures compliance with all Bank’s lending policies and procedures, as well as all applicable state and federal banking regulations.

Essential Job Functions

• Analyzes financial statements (including performance ratios) of all levels of quality to develop initial assessment by identifying strengths and weaknesses as pertaining to borrower’s historical operating performance.
• Use financial information to create a cash flow analysis for borrowers and evaluate trends in various areas that impact a client’s business/operations
• Prepare a written summary of findings to assist management in making sound loan decisions
• Make recommendations for approval/denial of loan requests
• Assist with the tracking of the existing commercial loan portfolio, including completion of annual reviews and/or quarterly action plans
• Assist with consumer underwriting if needed
• Assist Credit Officer and Senior Lender with various reporting and tracking items
• Processes and establishes accountability pertaining to Commercial Loan Agreement requirements/covenants.
• Manages the credit request process; inputs applicant’s information, orders preliminary reports; (I.e. credit report, title, flood, UCC, Secretary of the state, etc.) (Personal and Commercial Lending Products)
• Prepares and/or collects supporting documents for credit file on personal and commercial loan request for decision process; application, personal financial statement, check stubs, personal and/or corporate tax returns, business entity paperwork, business operating agreement, by‑laws, profit and loss statement, balance sheet. (documents to support loan type)
• Performs other job‑related duties as assigned.
• Complies with all applicable rules, regulations and policies, including but not limited to BSA, OFAC, and Physical Security.
• Supports the Bank’s goals and values.

Supervisory Responsibilities

This position is not responsible for the supervision of any employee(s).

Education & Job Qualifications

• Bachelor's Degree; and/or credit training; or equivalent combination of education and experience.
• Possess 1 – 3 years’ experience in a credit analyst role.

Knowledge/Skills/Abilities

• Must have some knowledgeable in the areas of loan servicing activities and terminology.
• Must have some knowledge of related state and federal banking compliance regulations, and other Bank lending policies.
• Must have basic math skills; calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
• Possess good customer service skills
• Must possess effective oral, written and interpersonal communication skills with the ability to interpret documents, understand procedures, write reports and correspondence, and speak clearly to customers and employees.
• Possess problem solving skills.
• Able to work independently with minimum directions.

Additional Eligibility Qualifications

• Multi‑lingual capabilities to include Spanish are a plus.

Licenses/Certifications

• N/A

Work Environment/Physical Demands

• Travel – as needed.
• Office working conditions
• Frequently required to sit for long periods of time.
• Occasionally required to stand, walk, and reach with hands and arms.

This job description is not an inclusive list of all duties and responsibilities of the position. First Liberty Bank reserves the right to amend and change responsibilities to meet business and organizational needs.

EEO/AAP Policy Statement

First Liberty Bank provides equal employment opportunity to all individuals’ regardless of their race, color, creed, religion, gender, age, sexual orientation, national origin, disability, veteran status, or any other characteristic protected by state, federal, or local law.