Credit Officer

Texas Capital•San Antonio, TX

10d

About The Position

The Credit Officer is positioned within Credit Administration and is integral to the success of each line of business it supports, helping to drive the strategic vision set forth by Texas Capital Bank. The position will support the Middle Market line of businesses and is responsible for maximizing portfolio performance, providing oversight and leading deals from opportunity to close.

Requirements

Bachelor’s degree in finance, accounting, or related field, required
Minimum of twelve (12) years of experience in a credit role with a focus on real estate, both commercial and residential, with demonstrated experience specific to both homebuilders and developers.
Completion of a Formal Credit Training program or commensurate underwriting experience
Must possess a high level of motivation and initiative with the ability to perform in a fast-paced, collaborative environment and build working relationships across the organization
Must have excellent interpersonal and communications skills, both verbal and written, with ability to communicate policies, procedures and objectives effectively throughout the firm and to cultivate working relationships with banking teams and clients
Must have a high level of analytical skill to assess and manage areas of responsibility including determination of credit risk involved and making final approval decisions
Proficient in MS Office products (Teams, Word, Excel, PowerPoint)
Understanding of products and services across the firm
Thorough knowledge of commercial loans, principles, policies, and practices
Knowledge of current lending laws and regulations
Proven leadership skills and a passion for financial services and delivering superior client experiences

Nice To Haves

MBA, CPA, CFA or equivalent designations preferred

Responsibilities

Partners with line of business coverage team to provide recommendations on credit structure and potential risks
Assesses terms under which credit will be extended, including analysis of repayment and projected scenarios, covenants, and collateral requirements
Assures the integrity and proper documentation of individual credits approved as well as the assigned portfolio
Acts as a responsible steward of the firm’s capital, ensuring fidelity to risk management and underwriting standards
Ensures effective administration of the loan policies, programs, objectives and goals as they pertain to the firm, to include adherence to policy compliance requirements assessment of risk ratings in an accurate and timely manner
Stays informed on the latest trends and developments in financial and banking products, financial markets, and regulations
Expert ability to analyze and evaluate credit risk, with expert ability to escalate recommendations and influence change
Expert ability to interact, negotiate, and influence at executive levels internally and externally
Lead and/or support key initiatives to drive improvements in the delivery of credit solutions for clients and prospects
Provides leadership and development for Portfolio Management team
Accompanies coverage teams on client visits, when needed
May perform other duties as needed