Senior Credit Analyst & Underwriting Leader

City Bank; Houston (TX); On-site; USD 65,000 - 90,000; Full time

Job summary

City Bank is seeking a Credit Analyst to gather and analyze credit information on current and potential borrowers, determine advisability of granting credit for various loan types, and assist loan officers in preparing loan requests.

The role emphasizes adherence to underwriting standards and city bank policy, with opportunity to mentor junior staff and participate in ongoing training. This on-site position supports relationship-building with management and lenders.

Responsibilities

• Gather and analyze credit information on current and potential borrowers.
• Determine advisability of granting credit for diversified loan types.
• Assist loan officers in writing loan requests.
• Promote business by maintaining good customer relations and referring customers to staff for new services.
• Prepare comprehensive loan memorandums detailing loan requests and credit quality for loan presentations and approvals.
• Underwrite credit requests of all sizes and complexity.
• Participate in the credit review process to ensure underwriting, policy, and compliance procedures are followed.
• Familiarize oneself with City Bank policy to interpret and apply policy.
• Maintain relationships with Senior Management and lending staff and assist lenders on client calls/meetings.
• Mentor and train credit analysts and coordinate internal training; participate in hiring and development of the credit department.
• Identify and coordinate external training opportunities for the credit department.
• Ensure procedures and credit requests comply with City Bank’s loan policy.
• Participate in external training modules for advanced credit analysis training at least twice per year.
• Support other duties as required by Regional Credit Managers.

Job description

City Bank is seeking a Credit Analyst to gather and analyze credit information on current and potential borrowers, determine advisability of granting credit for various loan types, and assist loan officers in preparing loan requests.

The role emphasizes adherence to underwriting standards and city bank policy, with opportunity to mentor junior staff and participate in ongoing training. This on-site position supports relationship-building with management and lenders.