Senior Credit Products Analyst

Overview

This role is for a Senior Commercial Credit Analyst and involves complex financial analysis, portfolio monitoring, and credit risk assessment. You will partner with Credit Products Specialists, Relationship Managers, and senior leadership to evaluate loan opportunities, recommend risk mitigations, and support credit policy improvements. The position also includes mentoring junior analysts and leading due diligence efforts, along with providing expertise on credit structuring for high-value commercial clients.

Responsibilities

Credit Risk Management & Portfolio Oversight

• Collaborate with Credit Product Specialists to perform financial analysis for complex commercial loan portfolios.
• Lead preparation of financial projections, repayment analyses, and/or enterprise value analysis as appropriate.
• Assist with preparation of periodic client reviews (quarterly as required and annually).
• Conduct detailed market and collateral analysis.
• Generate and review risk ratings, ensuring alignment with credit policies.
• Monitor financial trends and make portfolio recommendations based on client, microeconomic, and macroeconomic factors.
• Evaluate covenant compliance and loan performance.

Deal Structuring & Underwriting

• Provide expert support in structuring complex credit facilities.
• Partner with Credit Products Specialists and Sales to negotiate deal terms with clients.
• Assist in preparing and presenting credit approval memoranda to senior management.
• Support credit due diligence and ensure loan documentation accuracy.
• Work with legal counsel to review and assist with negotiation of credit agreements.

Leadership & Mentorship

• Mentor junior analysts, sharing expertise in financial analysis, credit structuring, and risk assessment.
• Lead credit training sessions and workshops.

Special Initiatives & Policy Development

• Drive improvements in underwriting processes and portfolio management strategies.
• Support regulatory compliance efforts and contribute to credit policy enhancements.
• Implement data-driven improvements to credit risk assessment tools.
• Use independent judgment and discretion to make decisions related to the assigned portfolio.
• Analyze and resolve problems pertaining to the assigned portfolio.

Additional Accountabilities

• Perform special projects and other duties as required.
• Consistently adhere to regulatory and compliance policies and standards, including completing required compliance trainings. Maintain compliance with applicable federal, state, and local laws and regulations.

Requirements

Required Qualifications

• Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related discipline.
• 5+ Years in commercial credit analysis, underwriting, or risk management.
• Extensive experience with financial statement analysis, credit structuring, and portfolio management.

Job Competencies

• Expert-Level Financial & Credit Analysis: Deep expertise in financial statement interpretation, cash flow analysis, and credit risk assessment for complex commercial lending relationships.
• Strategic Risk Management: Ability to evaluate macroeconomic and microeconomic trends, industry risks, and borrower financial health to anticipate and mitigate potential credit issues.
• Advanced Credit Structuring: Strong proficiency in structuring credit facilities, negotiating terms, and recommending risk-mitigating strategies.
• Decision-Making & Problem-Solving: Skilled at identifying credit concerns, proposing actionable solutions, and making sound recommendations to senior leadership.
• Stakeholder Engagement & Communication: Excellent verbal and written communication skills, with the ability to present complex financial data and recommendations to executives, credit committees, and external partners.
• Regulatory & Policy Expertise: In-depth understanding of commercial credit policies, regulatory requirements, and compliance standards.
• Technology & Data Utilization: Proficient in financial modeling, credit risk software, CRM systems, and advanced Excel functions (pivot tables, financial projections, data visualization).

Preferred Qualifications

• Strong leadership and mentoring experience.

Compensation & Benefits

• Pay Range: $70,451.25 - $115,332.00
• Benefits may include medical, dental, vision, life, and disability insurance, along with a comprehensive leave program.
• Total compensation may include variable incentives, bonuses, commissions, or other awards as outlined in the offer of employment.

Location

• Work From Home TX, TX 73301

Physical Requirements

• No unusual physical exertion is involved.