Credit Risk - Credit Analyst Team Lead

NBH Bank•Dallas, TX

20h•Onsite

About The Position

As a Credit Analyst Team Lead, you will contribute 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 Mangers 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.