Senior Credit Analyst: Commercial Lending & Risk Insights

Foothills Bank; Houston, Northern (TX, KY); Hybrid; USD 90,000 - 130,000; Full time

Benefits offered by this job

Competitive pay and benefits

Generous time off

Career development

Job summary

Guaranty Bank & Trust is seeking a Senior Credit Analyst to join our commercial lending team. You will perform high‑level analyses on commercial loans, prepare loan presentations for the Loan Committee, and identify proposed terms that align with bank policy.

Responsibilities include covenant calculations, portfolio reviews, and monitoring compliance with loan agreements. The role requires underwriting experience, strong Excel skills, and travel to business locations.

Qualifications

• Bachelor's degree in finance, accounting, or related field.
• Minimum 12 hours of college level accounting; including intermediate accounting I & II.
• Prior nCino experience required.
• At least 3 years of underwriting experience required.

Responsibilities

• Perform financial covenant calculations for compliance monitoring and exceptions.
• Prepare loan presentations for Loan Committee and identify proposed terms.
• Monitor loan covenants and assist in draw processing.
• Conduct regular loan portfolio reviews for risk and asset quality.

Skills

Excel macros

Data analysis

Strong communication

Travel willingness

Presentation skills

Education

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

12 credit hours in accounting including intermediate accounting I & II

Tools

nCino

Job description

Guaranty Bank & Trust is seeking a Senior Credit Analyst to join our commercial lending team. You will perform high‑level analyses on commercial loans, prepare loan presentations for the Loan Committee, and identify proposed terms that align with bank policy.

Responsibilities include covenant calculations, portfolio reviews, and monitoring compliance with loan agreements. The role requires underwriting experience, strong Excel skills, and travel to business locations.