C&I Credit Analyst
Location: Houston Texas
Category: Commercial Credit & Lending
Type: Full-Time- On Site
About the Role
A well-established community commercial bank is seeking a Commercial & Industrial (C&I) Credit Analyst to join its credit team. The ideal candidate will have a strong foundation in financial analysis, risk assessment, and credit underwriting, with formal credit training as a prerequisite. This role is pivotal in supporting loan officers and senior credit personnel in evaluating creditworthiness and structuring commercial loans.
Key Responsibilities
- Conduct in-depth financial statement analysis, cash flow modeling, and industry research to assess credit risk.
- Underwrite and prepare comprehensive credit memos for loan approvals, including risk rating assessments.
- Collaborate with relationship managers and senior lenders to structure commercial loan facilities in alignment with bank policies and risk appetite.
- Monitor existing loan portfolios, identifying potential risks and recommending mitigating strategies.
- Assist in loan reviews, renewals, and portfolio stress testing to ensure sound credit quality.
- Stay up to date with economic trends, industry developments, and regulatory changes impacting commercial lending.
Qualifications & Requirements
- Education: Bachelor's degree in Finance, Accounting, Economics, or related field.
- Experience: 2-5 years of experience in commercial credit analysis, underwriting, or banking.
- Credit Training: Completion of a formal credit training program from a financial institution is required.
- Skills:
- Strong financial and risk analysis abilities.
- Proficiency in financial modeling and loan structuring.
- Excellent written and verbal communication skills.
- Familiarity with banking regulations and commercial credit policies.
- Experience with credit underwriting software and loan portfolio management systems.
Work Environment & Compensation
- Schedule: Full-time, Monday-Friday, with flexibility based on business needs.
- Compensation: Competitive salary based on experience, plus performance incentives.
- Benefits: Comprehensive healthcare, 401(k) matching, paid time off, and career development opportunities.
Why Join Us?
- Be part of a community-focused bank with a strong reputation in commercial lending.
- Work in a collaborative environment that values professional growth and mentorship.
- Gain exposure to diverse industries and lending structures within the C&I space.
If you have the analytical mindset and credit expertise to support a dynamic commercial lending team, we encourage you to apply.
To Apply: Reach out to or
All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations.
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