Are you a detail-driven Credit Analyst who thrives in a collaborative, growth-minded environment? If you're looking to build a long-term credit career with a stable and expanding community bank known for its servant leadership culture, this could be the right move.
Location: North Dallas / Onsite
Industry: Commercial Banking Credit Analysis Middle Market Lending
A growing, relationship-focused community bank that's looking to add a skilled Credit Analyst to its team. This is an opportunity to make a lasting impact, working closely with Relationship Managers and senior credit leadership to support sound commercial lending decisions. This position can be either a credit analyst or a senior credit analyst, based on experience.
Why this opportunity stands out:
- Culture-first: You'll be joining a bank where servant leadership and team-oriented values are more than just buzzwords.
- Career stability: Ideal for someone who enjoys the craft of credit and wants to deepen their expertise in a long-term role, not just pass through.
- Visibility & impact: Direct interaction with senior leadership and participation in credit committee-level work.
- Growing institution: A stable bank that's scaling-offering room for advancement, professional development, and portfolio exposure.
Key Responsibilities:
- Conduct detailed financial statement and cash flow analysis on new and existing commercial borrowers (C&I and CRE).
- Evaluate creditworthiness through income statements, balance sheets, debt coverage ratios, and industry benchmarking.
- Prepare comprehensive credit memos and risk assessments for loan committee review.
- Ensure compliance with loan covenants and internal credit policies; escalate exceptions as needed.
- Assist in portfolio monitoring, risk rating updates, and annual reviews.
- Generate and interpret portfolio performance and documentation reports for internal stakeholders and regulators.
Qualifications:
- Bachelor's degree in Finance, Accounting, Economics, or related field.
- 1-4+ years of experience in credit analysis, commercial banking)
- Formal credit training preferred but not required.
- Strong understanding of financial analysis, risk assessment, and underwriting principles.
- Advanced proficiency in Excel; exposure to loan systems or financial spreading software is a plus.
- Excellent written and verbal communication skills; able to present findings with clarity and confidence.