Commercial Credit Analyst & CRE Loan Closer - Dallas

Broadway Bank•San Antonio, TX

About The Position

The Commercial Credit Analyst and CRE Loan Closer conducts credit investigations, spreads and analyzes borrower and guarantor financial information, prepares cash flow analyses, and assists with underwriting routine commercial credit requests. Under close supervision, the role compiles and presents credit information used by commercial lenders and approval authorities to evaluate new, renewal, extension, and modification requests. It also provides analytical and administrative support for commercial real estate and construction credits, including review of financial information, construction budgets, draw documentation, and other credit-related materials. This is a developmental position without independent credit approval, portfolio management, loan-origination, or nonconforming draw authority. The position works Monday through Friday during hours of operation from 8:00 a.m. to 5:00 p.m. It may require travel within the Bank’s geographic area and occasional overtime or extended hours. Broadway Bank describes itself as one of the largest independently owned banks in Texas, offering personal and private banking, wealth management, business banking, and mortgage lending. The workplace is drug-free, tobacco-free, and nicotine-free. This job description is not comprehensive, and duties may change at any time with or without notice.

Requirements

1–3 years of relevant experience in commercial credit analysis, banking, finance, accounting, or a related field.
Bachelor’s degree in Finance, Accounting, Business Administration, or a related field, including at least 9 credit hours in accounting and 12 credit hours in finance.
Strong interpersonal and communication skills, demonstrated initiative, and ability to learn and develop in a structured, hands-on training environment.
Ability to develop proficiency in spreading and analyzing financial statements.
Proficiency with Microsoft Windows.
Ability to manage multiple assignments and meet deadlines in a fast-paced environment.
Willingness to develop commercial credit, real estate, and construction-lending knowledge.
Strong organizational skills to maintain credit files and documentation.
High ethical standards and discretion when handling sensitive information.
Flexibility to assume additional responsibilities and adjust to changing priorities.
Commitment to ethical practices and compliance with federal and state regulations related to banking and mortgage lending.
Ability to collaborate with CRE Closing and Construction Coordinators across different markets as needed.
Ability to lift, carry, push, pull, or otherwise move objects weighing up to 10 pounds regularly and/or for extended periods during the workday.
Ability to work occasional overtime or extended hours when required.

Nice To Haves

Working knowledge of commercial credit principles, practices, and financial analysis.
Exposure to financial analysis or commercial lending software.

Responsibilities

Gather credit information from approved sources, including credit bureaus, reporting services, bank references, internal credit records, and borrower-provided information.
Compile and organize information for lending decisions on new, renewal, extension, and modification requests.
Spread and analyze borrower and guarantor financial statements, tax returns, personal financial statements, rent rolls, and related financial information under supervision.
Prepare historical and projected cash flow analyses and assist in identifying trends affecting repayment capacity, liquidity, leverage, and collateral support.
Prepare credit memoranda, summaries, and supporting analyses for routine commercial credit requests.
Identify credit risks, policy considerations, and mitigating factors, and elevate findings to the assigned lender or credit manager.
Assist with risk-rating support, covenant calculations, and follow-up questions as directed.
Provide credit information and references to customers, lenders, and other authorized parties.
Maintain current and complete credit files, including financial statements, agency reports, covenant information, and other underwriting documentation.
Assist in reviewing rent rolls, construction budgets, draw requests, inspection reports, project financial information, and related credit documents.
Compare construction progress, project costs, and funding activity with approved budgets and loan terms.
Order and review approved credit information for builders, contractors, and other project participants when required.
Assist lenders with collateral inspections and document observations in accordance with procedures.
Coordinate with lenders, Credit Administration, Loan Operations, and other internal partners to obtain information for assigned analyses.
Promptly escalate financial, documentation, construction, collateral, or credit concerns to the appropriate lender or credit authority.
Act as a liaison between the bank and stakeholders such as builders, contractors, and borrowers to facilitate loan origination, project monitoring, and closing processes.
Monitor loans and construction projects for compliance with regulatory requirements and bank policies.
Recommend and implement workflow process improvements.
Order and evaluate credit information for builders and contractors involved in commercial and residential projects.
Provide administrative and customer support, including depository transactions, account maintenance, and cross-selling bank products.
Collaborate with bank leadership on revisions to construction management policies and procedures.