Credit Risk - Credit Analyst I

Bank Midwest•Dallas, TX

3d•Onsite

About The Position

As a Credit Analyst I, you will ensure effective credit risk management through oversight of borrower analysis, underwriting practices, and overall portfolio quality. You will operate as an effective communicator, able to stimulate and motivate others while being aware of and responsive to their needs and concerns. You will develop and deliver credit recommendations that align with organizational risk appetite and business objectives. You will oversee portfolio performance, ensuring proactive monitoring of loan quality, covenant compliance, and emerging risks. You will be an active participant in maintaining guidelines, structure, and established policies as you work with and for others. You will partner with clients and internal stakeholders to support relationship growth while maintaining disciplined credit standards. You will ensure alignment with regulatory requirements, internal policies, and enterprise risk management frameworks. You will provide leadership and direction to credit analysts, fostering consistency, accountability, and continuous development across the function. The Credit Analyst will provide full service to Relationship Managers statewide, through analyzing basic commercial loan requests, identifying strengths and weaknesses, providing recommendations, and noting any deviations from the Loan Policy as appropriate.

Requirements

Bachelor’s degree in Finance, Accounting, Business, or a related field required
Demonstrated experience in complex financial analysis, including interpretation of financial statements, cash flow analysis, and risk assessment
Intermediate knowledge of commercial lending practices, credit risk management, and banking regulations
Proven ability to manage multiple priorities and deliver high-quality analysis in a deadline-driven environment

Nice To Haves

Advanced analytical and critical thinking skills, with the ability to evaluate complex financial information and identify key risk drivers
Strong leadership and interpersonal skills, with the ability to influence, mentor, and develop team members
Effective communication skills, with the ability to clearly present credit analysis and recommendations to diverse stakeholders
Strong organizational and time management skills, with the ability to manage multiple priorities in a fast-paced environment
Sound judgment and decision-making capabilities aligned with established risk management frameworks
Working knowledge of commercial banking products, credit structures, and portfolio management practices
Proficiency in financial analysis tools, systems, and reporting platforms
Collaborative mindset with the ability to partner cross-functionally to support business objectives
High level of attention to detail and commitment to accuracy and quality

Responsibilities

Ensure effective credit risk management through oversight of borrower analysis, underwriting practices, and overall portfolio quality.
Operate as an effective communicator, who is able to stimulate and motivate others while being aware of and responsive to their needs and concerns.
Develops and delivers credit recommendations that align with organizational risk appetite and business objectives.
Oversee portfolio performance, ensuring proactive monitoring of loan quality, covenant compliance, and emerging risks.
Be an active participant in maintaining guidelines, structure, and established policies as you work with and for others.
Partners with clients and internal stakeholders to support relationship growth while maintaining disciplined credit standards.
Ensures alignment with regulatory requirements, internal policies, and enterprise risk management frameworks.
Provides leadership and direction to credit analysts, fostering consistency, accountability, and continuous development across the function.
Analyze basic commercial loan requests, identify strengths and weaknesses, provide recommendations, and note any deviations from the Loan Policy as appropriate.