Credit Analyst - Banker Development Program

PrimeLending

About The Position

PlainsCapital Bank is hiring a Credit Analyst for its Commercial Banking Development Program, a full-time, post-graduate program beginning in Summer 2027. This entry-level role provides hands-on experience and structured training and career development across key areas of the bank, preparing participants for potential future roles as a relationship manager, 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 analyst 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 role may involve customer meetings and travel, as well as required training in Dallas and subsequent training sessions at locations and dates to be announced.

Requirements

Must be eligible to work in the U.S. 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 word processing and spreadsheets using Microsoft Office products, as well as custom applications and systems.
Excellent analytical, time-management, organizational, and problem-solving skills, including the ability to multitask and work in a deadline-driven environment.
Self-motivation, strong initiative and accountability, and attention to detail.
Must be able to attend initial training in Dallas, Texas, for approximately four weeks; the training period may change depending on program needs.
Travel for subsequent training sessions throughout the Banker Development Program is required; dates and locations will be announced at the time of training.

Nice To Haves

Strong preference for a Finance or Accounting major or concentration.
Professional experience in financial, credit, or statistical analysis, and/or statement spreading and assessing companies through internships, part-time or full-time work, and/or extracurricular activities.

Responsibilities

Analyze financial statements and performance across varying levels of quality to form initial assessments and identify strengths and potential risks in borrowers’ historical operating performance.
Prepare written credit analyses covering borrowers and guarantors, relevant economic and market conditions, historical and projected financial performance and cash flow, collateral and other repayment sources, 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 knowledge of industry and economic trends.
Attend loan committee meetings, provide credit analysis insights, and respond to inquiries.
Participate in customer meetings when requested by officers; 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 deterioration in credit quality; use findings to inform loan loss provisioning and portfolio risk management.
Perform other duties as required.