Credit Analyst I - Houston or Beaumont

Stellar Bank•Beaumont, TX

About The Position

The Credit Analysis team plays a critical role in maintaining the strength and stability of the bank. Their primary responsibility is to evaluate new commercial and corporate loan requests, ensuring that every decision aligns with sound credit principles and the organization’s risk appetite. This team conducts detailed financial analysis, assesses collateral, and applies risk rating methodologies to provide a clear, objective view of each opportunity. By doing so, they help balance growth with prudent risk management—protecting the bank while enabling clients to achieve their goals. The team works closely with Relationship Managers and senior leadership, offering insights that guide strategic lending decisions. In short, they are the gatekeepers of credit quality, and their expertise directly impacts the health of our portfolio and the long-term success of the business. Credit Analyst I is an entry-level role focused on supporting the underwriting of smaller, less complex commercial loans. Working under close supervision, this position ensures that new loan requests are evaluated accurately and in compliance with established credit policies. Analysts handle tasks such as spreading financial statements, pulling credit reports, and assisting with basic cash flow and collateral analysis. They also update risk ratings and document policy exceptions as needed. This role is foundational to the credit process, providing essential data and analysis that help the bank make informed lending decisions while maintaining portfolio quality.

Requirements

Bachelor’s degree in finance, accounting, economics, or related field.
0–2 years in credit analysis or commercial lending support.
Basic understanding of financial statements and credit principles.
Familiarity with Abrigo Sageworks or similar credit platforms.
Strong attention to detail and data accuracy.
Ability to follow structured workflows and meet deadlines.
Proficient in Microsoft Office applications.
Effective communication skills for collaboration with Relationship Managers.

Responsibilities

Receive new deal assignments in Abrigo Sageworks and update required documentation.
Perform business bureau searches and upload results.
Spread financial statements and review auto-spread results for accuracy.
Pull personal and business credit reports via Abrigo Sageworks integrations.
Assist in underwriting analysis, including cash flow and collateral review.
Record policy exceptions and update when resolved.
Update risk rating scorecard components based on provided information.
Respond to correction requests from Relationship Managers.
Perform UCC searches and upload lien results.
Pull environmental data reports and capture details in Abrigo Sageworks.
Compliance with any and all BSA/AML/CFT and Sanctions requirements set forth by Bank Policy and Procedure, including but not limited to timely completion of assigned training.
The position performs duties specific to the position and other functions as assigned by management.