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Job Description
Job Id:
196
# of Openings:
1
Community Banking Credit Analyst
Tyler, Texas
Full Time / On-Site
Exempt
Position Summary
The Credit Analyst is responsible for accurately and efficiently analyzing, underwriting, and documenting commercial and/or consumer loan requests, including new credit extensions, renewals, and periodic credit reviews. The Analyst works closely with frontline lending staff to provide timely credit support, develop a clear understanding of borrower financial performance, identify potential risks, and assess the overall credit quality of each request. This position reports directly to the Senior Credit Analyst.
Key Responsibilities
- Analyze and underwrite loan requests in accordance with the Bank’s credit policies, procedures, and risk standards
- Prepare clear, well-supported written credit presentations, including spread financial statements, cash flow analysis, collateral evaluation, and risk assessment
- Partner with lenders to ensure timely responses and efficient workflow while maintaining strong credit discipline
- Identify and communicate key credit risks, trends, and mitigating factors
- Participate in new money requests, renewals, and periodic credit reviews
- Ensure all credit documentation is accurate, complete, and in compliance with internal policies and regulatory requirements
- Maintain a strong understanding of the Bank’s risk appetite, loan portfolio, and credit culture
- Interact regularly with lenders, credit leadership, and executive management as needed
Qualifications
- Bachelor’s degree in finance, accounting, business, or a related field
- 1–2 years of experience in a bank or financial institution required
- Strong analytical and financial analysis skills
- Excellent written and verbal communication skills
- Sound judgment and decision-making abilities with strong attention to detail
- Proficiency in financial statement analysis and basic credit concepts
Work Environment & Expectations
- Professional banking environment with regular interaction with lenders, credit leadership, and executive management
- Ability to manage multiple priorities and meet deadlines in a fast-paced environment
- Commitment to maintaining high standards of credit quality, regulatory compliance, and sound risk management practices
- Demonstrated alignment with the Bank’s credit philosophy and risk management culture
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