Credit Business Analyst

South State Bank•McKinney, TX

About The Position

The Credit Business Analyst supports strategic initiatives, process improvement, AI and automation enablement, and operational effectiveness across Credit Administration. The role partners with business stakeholders to evaluate processes, document requirements, strengthen controls, and identify responsible uses of AI, automation, and workflow tools to improve efficiency, consistency, and decision-making. The analyst independently manages assigned analysis, documentation, reporting, issue tracking, and project-support activities. The position also supports cross-functional initiatives and project execution, develops operational reporting and management information, and assists with audit, examination, issue-remediation, policy, change-readiness, and special-project activities. It is responsible for taking ownership of assigned tasks and challenges. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. The work location is 7777 Henneman Way, McKinney, Texas 75070. Physical-location positions use a typical office setting. Remote or hybrid work requires a secure, distraction-free setting and reliable internet; hybrid employees report to a company location as directed by the manager.

Requirements

Four to seven years of progressively responsible experience in business analysis, process improvement, project delivery, operations, or a related function.
Experience independently analyzing business processes, documenting requirements and procedures, preparing business recommendations, and supporting cross-functional initiatives.
Knowledge of business analysis practices, including requirements elicitation, process analysis, root-cause analysis, documentation, and recommendation development.
Strong analytical, critical-thinking, and problem-solving skills, including assessing ambiguity, identifying root causes, and recommending well-supported solutions.
Sound judgment and ability to manage assigned work with limited supervision while balancing multiple priorities and deadlines in a changing environment.
Strong written, verbal, presentation, facilitation, and interpersonal communication skills, including the ability to summarize complex information for business and executive audiences.
Ability to build collaborative relationships and influence outcomes across business units, technology teams, risk partners, vendors, and management.
Experience developing process flows, procedures, business requirements, reports, dashboards, issue documentation, and management-ready project materials.
Proficiency with Microsoft Word, Excel, PowerPoint, Teams, Jira, and SharePoint.
Working knowledge of data analysis, reporting controls, information security, confidentiality, and applicable Bank policies and procedures.
Self-motivated, detail-oriented, adaptable, and able to work effectively independently and in a team-oriented environment.
Ability to communicate in person, by phone, and through electronic channels; use a computer frequently, including typing and sustained attention to a monitor; sit, walk, and/or stand for extended periods; bend and reach.

Nice To Haves

Bachelor’s degree in Business, Finance, Information Systems, Analytics, or a related field; equivalent relevant work experience may be considered.
Business analysis, project management, process improvement, or related certifications.
Working knowledge of AI, automation, and workflow concepts, including defining business use cases, expected benefits, requirements, risks, controls, and measures of success.
Familiarity with Power BI, Microsoft Copilot, Power Automate, Power Apps, or comparable tools.

Responsibilities

Analyze Credit Administration processes, policies, procedures, and business needs; facilitate stakeholder discussions; document current-state activities; identify gaps, risks, bottlenecks, and root causes; and recommend practical improvements.
Develop and maintain business and operational documentation, including business requirements, process maps, procedures, job aids, decision logs, issue documentation, and project materials.
Identify, evaluate, and advance opportunities to use AI, automation, and workflow tools; define use cases, expected benefits, requirements, risks, controls, and success measures; and support prioritization, implementation readiness, responsible adoption, and continuous improvement.
Partner with Credit Administration leaders, lending teams, Operations, Risk Management, Compliance, Internal Audit, and other business areas on cross-functional initiatives.
Coordinate discussions, clarify business needs, document decisions, and help drive timely resolution of open items.
Support project planning and execution by tracking milestones, risks, issues, dependencies, decisions, and action items; prepare status updates and management-ready materials; monitor deliverables; and escalate material concerns or barriers.
Develop, maintain, and analyze operational reports, inventories, dashboards, metrics, and other management information; validate data accuracy, identify trends and performance drivers, and present actionable insights.
Support audit, exam, issue-remediation, policy, change-readiness, and special-project activities by gathering and organizing evidence, tracking corrective actions, and updating procedures and communications.
Safeguard confidential information in accordance with Bank policies and complete other assigned responsibilities.
Take ownership of tasks and challenges encountered in the operation of the assigned position.