Senior Credit Analyst II - Underwriting & Risk

Texas Bank and Trust; Richardson, Northern (TX, KY); Hybrid; USD 65,000 - 95,000; Full time

Job summary

Texas Bank and Trust is seeking a Credit Analyst II to underwrite a variety of loan requests and to analyze credit risk by reviewing financial statements and collateral. You will prepare presentations for loan committees and partner with Credit Management for guidance on structuring terms.

The role emphasizes accuracy, confidentiality, and collaboration across departments to support sound lending decisions. A degree in business/finance is required and 2–4 years of related experience is preferred.

Qualifications

• Bachelor’s degree in business/finance, accounting, or economics.
• 2-4 years of relevant credit or financial analysis experience.
• Successful completion of all Credit Analyst I training requirements, as applicable.
• Strong accounting background and sales experience desirable.
• Strong analytical, organizational, negotiation, interpersonal and communication skills; positive attitude with team-player approach.
• Demonstrated ability to prioritize work assignments; detail oriented with flexibility in dealing with a changing work environment, customer service oriented and a strong sense of urgency.
• Strong math skills and sound understanding of general accounting/reconciling principles.
• Strong computer skills, i.e., word processing, spreadsheets and menu-driven software, are preferred.
• Must comply with all bank policies and maintain customer confidentiality.
• Must be able to perform the essential functions of the job with or without reasonable accommodation and without posing a direct threat to the health and safety of self or others.

Responsibilities

• Prepare Credit Request Presentations that analyze the degree of risk involved in extending credit.
• Confer with Credit Management and Commercial lenders to determine appropriate structures and terms, making recommendations when appropriate.
• Make recommendations for credit grading / loan risk rating.
• Prepare financial spreads and ratio analysis using spreading software.
• Conducts annual analysis and prepares memorandums for large commercial loan relationships.
• Attends Loan Committee meetings, as appropriate, to be available to answer questions regarding credit analysis and to assist with presenting the data.
• Study and stay current with compliance regulations, industry trends, and economic conditions as they relate to commercial lending.
• Continue to complete training requirements as established by Credit Management.
• Works on special projects as assigned by Credit Management.
• Other duties as requested by supervisor or other management representative of the bank.

Skills

Credit analysis

Financial analysis

Interpersonal communication

Negotiation

Attention to detail

Team player

Education

Bachelor’s degree in business/finance, accounting, or economics

Tools

Spreading software

Word processing

Spreadsheets

Menu-driven software

Job description

Texas Bank and Trust is seeking a Credit Analyst II to underwrite a variety of loan requests and to analyze credit risk by reviewing financial statements and collateral. You will prepare presentations for loan committees and partner with Credit Management for guidance on structuring terms.

The role emphasizes accuracy, confidentiality, and collaboration across departments to support sound lending decisions. A degree in business/finance is required and 2–4 years of related experience is preferred.