Credit Analyst - Banker Development Program

Hilltop Holdings•McAllen, TX

About The Position

PlainsCapital Bank is seeking an entry-level Credit Analyst for its full-time, post-graduate Commercial Banking Development Program, beginning in Summer 2027. The program provides structured training and career development across key areas of the bank and is intended to prepare participants for future roles such as relationship manager or portfolio manager, or continued advancement as a credit analyst. Successful participants typically advance within two to three years. During the program, the Credit Analyst evaluates the financial health and creditworthiness of commercial clients by analyzing financial statements, assessing risk, and preparing detailed analyses to support lending decisions. The role works closely with relationship managers, lending leadership, and credit officers to ensure credit proposals align with the bank’s risk appetite and regulatory standards. The position may involve customer meetings and travel, including initial training in Dallas, Texas, for approximately four weeks and subsequent training sessions at dates and locations announced by the program.

Requirements

Must be eligible to work in the United States without sponsorship now or in the future.
Bachelor’s degree in a business-related field required.
Excellent verbal, written, and interpersonal communication skills.
Excellent PC skills, including Microsoft Office word processing and spreadsheets, as well as custom applications and systems.
Strong analytical, time-management, organizational, and problem-solving skills, with the ability to multitask and work in a deadline-driven environment.
Self-motivated, with strong initiative, accountability, and attention to detail.
Must be able to attend initial training in Dallas, Texas, for approximately four weeks; the initial training period may change depending on program needs.
Must be able to travel for subsequent training sessions throughout the Banker Development Program; dates and locations will be announced at the time of training.

Nice To Haves

Finance or Accounting major or concentration is strongly preferred.
Professional experience in financial, credit, or statistical analysis, and/or statement spreading and assessing companies, gained through internships, part-time or full-time work, and/or extracurricular activities, is preferred.

Responsibilities

Analyze financial statements and performance across varying levels of quality to assess borrowers’ historical operating performance, identifying strengths and potential risks.
Prepare written credit analyses covering borrowers and guarantors; economic and market conditions; historical and projected financial and cash flow performance; secondary repayment sources such as collateral; guarantor financial positions; and borrower strengths and vulnerabilities.
Engage with borrowers’ finance teams to clarify accounting practices and ensure accurate interpretation of financial information.
Gather and analyze information from borrower conversations, market publications, peer bank references, credit agencies, and online research to maintain an understanding of industry and economic trends.
Attend loan committee meetings, provide credit analysis insights, and respond to inquiries.
Participate in customer meetings at officers’ request; travel may be required.
Coordinate appraisal orders and analyze collateral using third-party appraisal reports to assess the accuracy and adequacy of collateral values.
Review loan agreements periodically, monitor and measure covenant compliance, and promptly escalate breaches to the lending team.
Perform annual risk grading of credit relationships, including renewals, by evaluating financial performance and identifying credit-quality deterioration; use findings to inform loan loss provisioning and portfolio risk management.
Perform other duties as required.