Senior Commercial Credit Analyst – Portfolio Leader

Kreps-Colgan & Associates

Austin (TX)

On-site

USD 80,000 - 115,000

Full time

14 days+

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Job summary

Kreps-Colgan & Associates in Austin, TX seeks a Senior Commercial Credit Analyst to deliver comprehensive credit analysis for complex lending and support special projects. The role focuses on assessing risk, preparing memos, and maintaining underwriting standards across the loan portfolio.

The ideal candidate has 3–5 years of underwriting/credit experience, a Bachelor's in Accounting/Finance, and strong Excel/Word/Outlook skills, with familiarity in Jack Henry core systems and some supervisory

Qualifications

Minimum 3–5 years experience as an analyst or equivalent focusing on underwriting and credit analysis for commercial and CRE loans.
Bachelor's degree required; Accounting/Business/Finance preferred.
Strong communication and organizational skills; ability to prioritize, multi-task, and supervise junior staff.

Responsibilities

Develops and maintains analytical summaries and memos for credits typically over $100,000.
Analyzes borrowers' financial statements to measure cash flow and risk.
Ensures accuracy of credit memos and analyzes risk exposure.
Performs cash flow analysis and stress testing as needed.
Tracks covenant compliance and annual reviews for existing credits.
Communicates findings to loan officers and documents loan policy exceptions.