???? Houston, TX
???? $100,000 – $120,000

In a city powered by energy deals, real estate expansion, and entrepreneurial grit, the Senior Credit Analyst is the steady hand on the financial tiller. This is a role for a seasoned professional who sees beyond spreadsheets, understands risk in layers, and knows that strong credit decisions build strong banks.

We are seeking an experienced, analytical, and confident credit professional who thrives in complex commercial environments and brings both precision and perspective to every deal reviewed.

Position Summary

The Senior Credit Analyst is responsible for underwriting complex commercial loan requests, performing detailed financial analysis, assessing risk exposure, and delivering clear, well-supported credit recommendations. This role partners closely with Relationship Managers and senior leadership to structure sound transactions while protecting the bank’s credit quality and portfolio integrity.

This is not an entry-level analysis seat. This is for someone who has weathered cycles, understands policy, and can defend a credit decision with data and judgment.

Key Responsibilities

• Underwrite complex commercial, C&I, and commercial real estate loan requests

• Analyze historical and projected financial statements, tax returns, borrowing bases, and cash flow

• Assess global cash flow, guarantor strength, and contingent liabilities

• Identify key risks and recommend mitigants, covenants, and loan structure enhancements

• Prepare detailed credit approval memorandums for presentation to loan committees

• Ensure compliance with internal credit policy and regulatory requirements

• Monitor assigned portfolio, including annual reviews, renewals, covenant compliance, and risk rating accuracy

• Partner with Relationship Managers to structure transactions that balance growth and risk management

• Provide mentorship and guidance to junior credit analysts

• Support exam preparation and regulatory reviews

Qualifications

• 5+ years of commercial credit analysis experience, preferably within a community or regional bank

• Strong experience with commercial real estate and C&I lending

• Advanced understanding of financial statement analysis and cash flow modeling

• Proven ability to independently underwrite and recommend complex credits

• Experience presenting to credit committees or senior leadership

• Strong knowledge of loan documentation and covenant structuring

• Bachelor’s degree in Finance, Accounting, Business, or related field required

• Exceptional written and verbal communication skills

What Sets You Apart

• You think critically and independently

• You are comfortable challenging assumptions when risk warrants it

• You bring discipline to underwriting and consistency to portfolio management

• You value collaboration but can stand firm on sound credit principles

Why Houston?

Houston is one of the most dynamic banking markets in the country, fueled by industries ranging from energy and healthcare to real estate and logistics. This role places you in the middle of meaningful commercial activity where strong credit leadership truly matters.

If you are a confident credit professional ready to bring experience, structure, and strength to a growing institution, this opportunity offers both challenge and career progression in a competitive Houston market.