Commercial Credit Analyst I

Broadway Bank • San Antonio, TX

7d

About The Position

The Commercial Credit Analyst I conducts credit investigations, prepares and interprets financial statements, and analyzes routine credit information related to commercial loan requests. Under close supervision, the analyst helps compile and present credit information to commercial loan officers and banking committees to support decisions on new, renewal, and extension loans. The role also maintains current credit files, assists with collateral inspections, and keeps informed about industry trends. The position may require travel within the Bank’s geographic area.

The analyst works Monday through Friday during operating hours of 8:00 a.m. to 5:00 p.m. Occasional overtime or extended hours may be required. 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.

Requirements

• 0–2 years of experience in commercial credit analysis or a related area.
• Familiarity with standard concepts, practices, and procedures in commercial credit.
• Bachelor’s degree, including at least 9 credit hours in Accounting and 12 credit hours in Finance.
• Ability to spread and analyze financial statements and identify key trends and risks.
• Strong attention to detail when collecting, organizing, and analyzing credit information.
• Excellent written and verbal communication skills, including the ability to prepare clear and concise summaries and reports.
• Experience with Microsoft Windows, Word, and Excel.
• Ability to manage multiple tasks and meet deadlines in a fast-paced environment.
• Strong drive to learn and develop in an on-the-job training environment.
• Organizational abilities to manage and maintain current credit files.
• High standard of ethical behavior when handling sensitive financial information.
• Flexibility to assume additional responsibilities and adjust to changing priorities.
• Ability to lift, carry, push, pull, or otherwise move objects weighing up to 10 lbs. regularly and/or for extended periods during the workday.

Nice To Haves

• Above-average interpersonal skills and strong self-motivation in an on-the-job training environment.
• Prior experience with financial analysis software.

Responsibilities

• Successfully complete Phase I of the BDP, demonstrating an understanding of core banking functions and credit analysis principles.
• Gather credit information from sources such as credit bureaus, reporting services, bank references, and internal credit records.
• Compile and organize information to support lending decisions on new, renewal, and extension loans.
• Spread and analyze financial statements and related materials under supervision.
• Prepare summaries and present information, occasionally offering opinions on creditworthiness.
• Provide credit information and references to customers, loan officers, and other agencies as requested.
• Keep credit files current, including the latest financial statements and agency reports.
• Assist in compiling minutes for Officers’ and Directors’ Loan Committee meetings.
• Attend and participate in committee meetings, contributing insights as needed.
• Support loan officers with collateral inspections and ensure collateral is accurately evaluated and documented.
• Stay current on industry trends through peer relationships, seminars, workshops, and relevant industry periodicals.
• Undertake additional duties and responsibilities as requested by supervisors.

Benefits

• Career development and mentorship programs.
• Generous paid time off, with a minimum of 4 weeks.
• Employee recognition, awards, and events.
• Free vision insurance.
• Retirement matching.
• Tuition reimbursement.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level