Manager, Credit Analysis

Charles Schwab; Omaha (NE); On-site; USD 85,000 - 125,000; Full time

Benefits offered by this job

401(k) with company match

Employee stock purchase plan

Sabbatical after 5 years of service

Paid parental leave

Tuition reimbursement

Health, dental, and vision insurance

Job summary

Charles Schwab is seeking a Manager of Credit Analysis to lead complex underwriting and risk evaluation for bank clients on-site in Westlake, TX. You will apply commercial credit expertise and financial analysis to assess lending opportunities and manage portfolio risk, collaborating with cross-functional teams to drive sound underwriting decisions.

Ideal candidates have extensive commercial banking underwriting experience, strong analytical skills, and a Chartered approach to risk and

Qualifications

• 3+ years of commercial/private banking underwriting experience.
• Strong analytical skills; restructuring/foreclosure experience
• Bachelor's degree
• Applicants must be currently authorized to work in the United States on a full-time basis without employer sponsorship.

Responsibilities

• The Manager, Credit Analysis will participate in complex credit underwriting and risk assessment for bank clients.
• Apply expertise in commercial credit, financial analysis, and loss mitigation to evaluate lending opportunities and manage portfolio risk.

Skills

Credit Risk Assessment & Underwriting

Financial Analysis & Decisioning

Portfolio & Risk Management

Regulatory & Governance

Influence & Execution

Stakeholder Communication

Education

Bachelor's degree

Job description

Pay range: USD $85,000.00 - $125,000.00 / Year

Your opportunity

Charles Schwab, we're committed to empowering people to take ownership of their financial futures. Our culture is grounded in a client-first mindset, collaboration, and a shared commitment to doing what's right.

You'll have the opportunity to grow your career while working alongside talented colleagues in an inclusive, high-performing environment. We invest in your development, support your well-being, and provide the tools and flexibility you need to make a meaningful impact.

We believe in the importance of in-office collaboration and fully intend for the selected candidate for this role to work on site in the specified location(s): Westlake, TX

The Manager, Credit Analysis will participate in complex credit underwriting and risk assessment for bank clients. Apply expertise in commercial credit, financial analysis, and loss mitigation to evaluate lending opportunities and manage portfolio risk.

Skills for Success

• Credit Risk Assessment & Underwriting
  Evaluate complex credit opportunities by identifying risks and mitigation strategies.
  Apply sound judgment to balance risk and business growth objectives.
• Financial Analysis & Decisioning
  Perform cash flow analysis using financial statements and tax returns.
  Deliver clear, data-driven credit recommendations.
• Portfolio & Risk Management
  Assess portfolio risk across industries and economic cycles.
  Proactively identify emerging risks and mitigation actions.
• Regulatory & Governance
  Ensure compliance with AML/KYC, regulatory, and internal policy requirements.
  Maintain strong documentation and risk discipline.
• Influence & Execution
  Partner cross-functionally to drive underwriting decisions.
  Improve processes, tools, and operational efficiency.
• Stakeholder Communication
  Communicate complex decisions clearly.
  Build trusted relationships across stakeholders.

What you have

Required Qualifications

• Applicants must be currently authorized to work in the United States on a full-time basis without employer sponsorship
• 3+ years of commercial/private banking underwriting experience
• Strong analytical skills; restructuring/foreclosure experience
• Bachelor's degree
• Applicants must be currently authorized to work in the United States on a full-time basis without employer sponsorship.

Preferred Qualifications

• Exposure to underwriting platforms
• Public equity and debt market knowledge

Schwab & Career Alignment

Demonstrates client-first mindset, collaboration, accountability, and alignment to Schwab culture.

What's in it for you

At Schwab, you're empowered to shape your future. We champion your growth through meaningful work, continuous learning, and a culture of trust and collaboration-so you can build the skills to make a lasting impact. Our Hybrid Work and Flexibility approach balances our ongoing commitment to workplace flexibility, serving our clients, and our strong belief in the value of being together in person on a regular basis.

We offer a competitive benefits package that takes care of the whole you - both today and in the future:

• 401(k) with company match and Employee stock purchase plan
• Paid time for vacation, volunteering, and 28-day sabbatical after every 5 years of service for eligible positions
• Paid parental leave and family building benefits
• Tuition reimbursement
• Health, dental, and vision insurance