Credit Risk Analyst - SBA

Texas Capital•Dallas, TX

About The Position

The Credit Risk Analyst - SBA role is positioned within Credit Administration and reports to the Credit Officer. This role brings experience in core tasks dedicated to the underwriting function, which is integral to the success of each line of business it supports, helping to drive the strategic vision set forth by Texas Capital Bank. This position will provide support for more senior colleagues in delivering best-in-class client experiences and comprehensive financial solutions to clients across a broad array of industries.

Requirements

Minimum 2 years of commercial underwriting experience
Bachelor’s degree in Finance, Accounting, Real Estate, Commercial Banking, or equivalent/relevant program
Interest in a long-term career in Banking
Passion for financial services and delivering superior client experiences.
Extraordinary levels of motivation and initiative
Effective team players who want to work in a fast-paced, collaborative environment and build working relationships across the organization
Exceptional writing, interpersonal and communication skills
Strong Microsoft Office skills including Outlook, Excel, and PowerPoint to produce reports, memos, and presentations
Proven leadership skills and community involvement

Nice To Haves

Candidates must be able to process large amounts of information, communicating in a clear and concise manner, and develop innovative solutions for our clients, all while maintaining a strong and efficient attention to detail.

Responsibilities

Create financial statement spreads and analyze data
Participate in the analysis, evaluation, and underwriting of proposed credit facilities for prospects and customers
Support Portfolio Manager in credit approval process (new customers, modifications, increases, risk assessments)
Support Portfolio Manager in portfolio reporting and analytics (grade migration, past-dues, exceptions, coming-due, etc.)
Work with Relationship Managers, Portfolio Managers and Credit Officers to assess credit opportunities, identify key risks, and structure alternatives
Assist in the preparation of credit packages
Initiate background checks/credit reports
Coordinate internal discussions
Assist in exception tracking, clearing & reporting
Conduct research on borrowers and industries
Special projects as needed