Credit Analyst I

UBank • Plano, TX

1d

About The Position

The Credit Analyst I independently analyzes, underwrites, and documents commercial credit requests, including new credit extensions, renewals, extensions, and periodic reviews. The role assesses borrower and guarantor financial performance, collateral support, loan structure, and credit risks; prepares clear, well-supported credit presentations; and supports timely, sound credit decisions. Work is subject to review by a senior analyst or credit officer.

The analyst supports commercial and industrial, commercial real estate, and related loan requests, along with recurring credit administration, portfolio monitoring, and process-improvement efforts. The position reports to the Senior Credit Analyst and has no supervisory responsibilities.

Requirements

• 1–2 years of experience in commercial credit analysis, underwriting, or credit administration within a bank or financial institution.
• Working knowledge of financial statement analysis, cash flow analysis, collateral evaluation, loan structuring, banking regulations, and credit risk management principles.
• Ability to analyze borrower performance, identify key credit risks and strengths, and communicate findings to lenders, portfolio managers, and credit leadership.
• Ability to work independently and collaborate effectively with lenders, portfolio managers, and the credit team.
• Excellent verbal, written, and interpersonal communication skills.
• Strong proficiency with Microsoft Office, including Word, Excel, and PowerPoint, and ability to learn core banking platforms.
• Ability to adapt to changing business needs, responsibilities, and processes.
• Strong analytical, critical-thinking, and problem-solving skills.
• Bachelor’s degree in a relevant field.

Nice To Haves

• Experience with AI and interest in emerging technologies.

Responsibilities

• Analyze and underwrite commercial and industrial, commercial real estate, and related loan requests, subject to review by a senior analyst or credit officer.
• Prepare complete and accurate credit memoranda, including financial spreads, global cash flow and repayment analyses, collateral and guarantor evaluations, risk ratings, covenant analysis, and supporting documentation.
• Identify and communicate credit strengths, weaknesses, opportunities, threats, trends, exceptions, and mitigating factors.
• Evaluate collateral, appraisal reports, guarantor support, and loan structures for credit soundness and policy compliance.
• Follow the bank’s credit policy, underwriting standards, risk appetite, and regulatory expectations.
• Complete credit requests, renewals, extensions, annual reviews, covenant monitoring, appraisal reviews, and other recurring credit administration tasks.
• Support portfolio monitoring, watchlists, stress testing, and special projects as assigned.
• Attend weekly loan committee and credit meetings.
• Participate in customer meetings and site visits as requested.
• Contribute to continuous improvement of underwriting processes, templates, automation, and credit workflows.

Benefits

• Medical, dental, and vision insurance
• Employer-paid life and disability insurance
• 401(k) with company match
• Paid time off and paid holidays
• Employee banking benefits
• Wellness and employee assistance programs
• No-co-pay urgent care and prescription benefit
• Career development and training opportunities
• Voluntary supplemental benefits
• Flexible spending and health savings account options
• Legal and identity protection benefit
• Pet insurance
• Opportunities to give back through community involvement

What This Job Offers

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