Senior Credit Analyst

Foothills Bank; Rockwall (TX); On-site; USD 75,000 - 95,000; Full time

Benefits offered by this job

Medical, dental, and vision insurance

Retirement savings plans (401(k) and profit-sharing)

Paid time off (PTO) and paid holidays

Job summary

A local financial institution in Rockwall, Texas is hiring a Senior Credit Analyst to support commercial lending processes. In this role, you will perform comprehensive financial analysis, ensure compliance monitoring, and manage loan agreements. Candidates should have a Bachelor’s degree in finance or accounting, plus 3 years of underwriting experience and advanced Excel skills. The position offers a competitive salary and comprehensive benefits, with an emphasis on professional development and community support.

Qualifications

• 3 years of underwriting experience required.
• Ability to make strategic business recommendations using data.

Responsibilities

• Conduct high-level analyses on commercial loans.
• Perform financial covenant calculations for compliance monitoring.
• Manage financial reporting for customers.

Skills

Intermediate to advanced Excel skills

Analytical skills

Excellent communication skills

Education

Bachelor's degree in finance, accounting, or a related field

12 hours of college-level accounting including Intermediate I & II

Tools

nCino

Job description

About the Role

Our company’s culture supports customers in achieving their financial goals and dreams. You will serve a vital role in the commercial lending process, conducting high‑level analyses on commercial/business loans and working closely with commercial lenders to prepare loan presentations for the loan committee. Identify proposed loan terms and determine if the request meets bank policy.

Guaranty Bank & Trust is passionate about helping our communities. We are growing fast and provide competitive pay, generous time off, and ongoing training and career development.

We are looking for a full‑time Senior Credit Analyst.

Job Duties

• Perform financial covenant calculations for compliance monitoring and provide required compliance certificates and reports.
• Manage financial reporting for customers, including rent rolls, borrowing bases, and other loan agreement requirements.
• Identify and report violations within loan agreements and support the credit committee.
• Perform comprehensive financial analysis, complete annual review loan packages, and make recommendations on risk grading and exposure limits.
• Conduct regular loan portfolio reviews across all credit types, ensuring asset quality and regulatory compliance.
• Determine creditworthiness by analyzing financial statements, credit bureau reports, SEC filings, bond ratings, grants, tax returns, and letters of credit.
• Review third‑party reports, cash flow analysis, credit strength, and property characteristics for each application.
• Monitor and test compliance with loan covenants, prepare borrowing bases, and assist in draw processing.
• Apply bank underwriting guidelines to produce basic to intermediate credit analysis for new extensions, renewals, annual reviews, and modifications.
• Prepare annual reviews of lending relationships, analyzing updated financial information and market data to verify borrower creditworthiness.
• Assist in the creation and distribution of managerial reports.
• Comply with all federal, state, and local regulatory rules and company policies.
• Complete all required regulatory compliance training.
• Participate in special lending‑related projects and meetings as directed.
• Perform any additional duties assigned by management.

Qualifications & Skills

• Intermediate to advanced Excel skills, including macros, pivot tables, and formulas.
• Ability to use key performance metrics and data to provide insights and make strategic business recommendations.
• Strong analytical skills to organize, interpret, and explain complex data and trends.
• Excellent communication and presentation skills.
• Required travel to business locations.

Work Schedule

Monday–Friday from 8:00 am to 5:00 pm with a 1‑hour lunch break.

Education, Experience & Licenses

• Bachelor’s degree in finance, accounting, or a related field.
• Minimum 12 hours of college‑level accounting, including Intermediate I & II.
• Prior nCino experience.
• At least 3 years of underwriting experience.

Physical Demands

The physical demands include repetitive motion, prolonged sitting, standing, walking, and occasional lifting. Ability to use office equipment, work extended hours, travel off‑site, and maintain regular attendance. Vision acuity is required for data analysis, document handling, and extended computer use.

What We Offer

Compensation & Benefits

Starting salary depends on experience and location. We offer a comprehensive benefits package including medical, dental, vision, and life insurance; health savings account; employee assistance program; health rewards program; retirement savings plans (401(k) and profit‑sharing); short‑term and long‑term disability; education and training benefits; paid time off (PTO) and paid holidays.

Equal Opportunity Employer

We are an Equal Opportunity Employer and qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, veteran status, or any other protected category.

Application Policy

Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.

No recruiters or unsolicited agency referrals please.