Credit Risk - Credit Analyst Team Lead

NBH Bank • Dallas, TX

5d • Onsite

About The Position

As a Credit Analyst Team Lead, you will supervise, mentor, and develop a team of credit analysts, providing guidance on complex credit evaluations. You will review and pre-approve credit analyses, financial statements, and full approval memos. You will maintain an active deal pipeline for yourself while continuing to assist the analysts. You will perform portfolio-level analysis to assist in portfolio maintenance and prioritizing workloads to meet deadlines and service-level expectations. You will ensure credit decisions align with organizational risk guidelines and investment strategy, as well as 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. You will contribute to and capture the vision of the Director of Credit Solutions, then will train and mentor Credit Analysts in bank underwriting practices, monitoring of loans, and may have a team of Credit Analyst I – III reporting directly to them. The Credit Analyst Team Lead will provide full service to Relationship Managers across designated locations, 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
• 4+ years of progressive experience in commercial credit analysis, underwriting, or portfolio management, preferably in commercial loans
• Demonstrated experience in complex financial analysis, including interpretation of financial statements, cash flow analysis, and risk assessment
• Prior experience providing guidance, mentorship, or leadership within a credit or lending team
• Strong 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
• Bilingual language skills
• 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

• Supervise, mentor and develop a team of credit analysts
• Provide guidance on complex credit evaluations
• Review and pre-approve credit analyses, financial statements and full approval memos
• Maintain an active deal pipeline for yourself while continuing to assist the analysts
• Perform portfolio-level analysis to assist in portfolio maintenance and prioritizing workloads to meet deadlines and service-level expectations
• Ensure credit decisions align with organizational risk guidelines and investment strategy
• 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
• Contribute and capture the vision of the Director of Credit Solutions
• Train and mentor Credit Analysts in bank underwriting practices, monitoring of loans
• Provide full service to Relationship Managers across designated locations, through analyzing basic commercial loan requests, identifying strengths and weaknesses, providing recommendations, and noting any deviations from the Loan Policy as appropriate

Benefits

• insurance
• 401k
• an associate stock purchase program
• paid time off
• associate banking perks

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level