Manager, Credit Analysis

Charles Schwab Corporation; Westlake (TX); On-site; USD 110,000 - 160,000; Full time

Job summary

Charles Schwab Corporation in Westlake, TX invites a Manager, Credit Analysis to join our credit underwriting and risk assessment team. You will apply expertise in commercial credit, financial analysis, and loss mitigation to evaluate lending opportunities and manage portfolio risk on-site.

The role emphasizes AML/KYC compliance, strong documentation, and cross-functional partnership to drive underwriting decisions and improve processes and tools, delivering data-driven recommendations to

Qualifications

• Bachelor’s degree required; 3+ years in commercial banking underwriting.
• Experience evaluating complex credit opportunities and mitigation strategies.
• Strong analytical skills and documentation discipline.

Responsibilities

• Evaluate complex credit opportunities by identifying risks and mitigation strategies.
• Apply sound judgment to balance risk and business growth objectives.
• Perform cash flow analysis using financial statements and tax returns.
• Deliver clear, data-driven credit recommendations.
• Assess portfolio risk across industries and economic cycles.
• Proactively identify emerging risks and mitigation actions.
• Ensure AML/KYC, regulatory and internal policy compliance.

Skills

Credit risk assessment

Underwriting

Financial analysis

Regulatory compliance

Education

Bachelor’s degree

Job description

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.