Credit Analyst III
Extraco Banks, N.A.•Waco, TX
•Onsite
About The Position
Extraco Banks is seeking an experienced and detail-oriented Commercial Analyst III to support the Commercial and CRE lending portfolio. This senior-level role is responsible for complex credit underwriting, portfolio monitoring, and collaboration with Relationship Managers, Portfolio Managers, and Credit Management. The ideal candidate is a strong analytical professional who can balance risk management with growth objectives, serve as a subject matter expert on complex credit relationships, and contribute to maintaining high asset quality while supporting strategic portfolio growth.
Requirements
- Bachelor’s degree in Finance, Accounting, Economics, or related field (required)
- 5–7+ years of progressive commercial credit analysis experience (C&I and/or CRE)
- Strong financial statement and tax return analysis capabilities
- Proficiency in cash flow modeling, projections, and sensitivity analysis
- Strong analytical judgment with sound risk awareness
- Ability to manage multiple complex assignments and meet deadlines
- Collaborative mindset with ability to balance sales and risk perspectives
- Proficiency in spreadsheets, loan origination systems, and Microsoft Office
- Working knowledge of loan structures, documentation fundamentals, and regulatory guidance
- Excellent written and verbal communication skills, including presenting to senior leadership
- Strong attention to detail, organization, and time management skills
Nice To Haves
- 9+ hours of accounting coursework preferred
- Advanced degree or formal credit training (preferred)
Responsibilities
- Lead underwriting of complex commercial and CRE credits, including financial spreading, cash flow and global analysis, collateral evaluation, and sensitivity analysis
- Structure and recommend loan terms, covenants, and collateral packages that align with client needs and sound risk practices
- Prepare clear, concise, decision-ready credit approval packages outlining risk ratings, key risks, mitigants, and policy exceptions
- Monitor covenant compliance and financial reporting requirements; identify breaches or emerging concerns
- Recommend renewals, waivers, amendments, or other corrective actions when needed
- Maintain accurate and timely risk ratings and support early warning and watch list processes
- Monitor macroeconomic and industry trends impacting borrower performance and portfolio segments
- Partner with Relationship Managers and Portfolio Managers on new deals, opportunity memos, and pre-screening discussions
- Participate in client calls and site visits to better understand borrower operations and risk drivers
- Collaborate with Credit Management to ensure timely preparation of Loan Committee materials
- Act as a subject matter expert for underwriting guidance and system support
- Manage the Credit Inbox and oversee assignment and tracking of incoming analysis requests
- Support portfolio reporting, data integrity initiatives, stress testing, and special projects
- Ensure work product aligns with internal policies and regulatory expectations
- Mentor and coach junior analysts to promote consistency and quality in underwriting
- Complete required training and contribute to ongoing process improvements
- Participate in continuing education through training sessions, seminars, and industry events
Benefits
- Opportunities for career advancement and professional growth
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
Upload and Match Resume
What This Job Offers
Job Type
Full-time
Career Level
Senior
