Senior Credit Analyst- ON-SITE HOUSTON, TX

Southside Bank • Houston, TX

20d • Onsite

About The Position

The Senior Credit Analyst is responsible for commercial credit analysis for the bank’s largest and most complicated loan requests. The role supports commercial loan officers and executive management by analyzing commercial loan requests, identifying strengths and weaknesses, making recommendations, and noting policy deviations as appropriate. The analyst may also prepare periodic management reports and complete other projects as needed.

The position is based at the Houston–Post Oak location and reports to the Commercial Underwriting Manager. It includes initial due diligence and underwriting, detailed financial analysis, and preparation of comprehensive credit memorandums and reports. The analyst may participate in borrower meetings to advise on credit terms and support business development, while keeping informed about relevant legal, compliance, and market matters.

The role also involves supporting colleagues through leadership and knowledge-sharing, maintaining confidential bank information, providing professional service to customers and employees, and following bank policies, audit procedures, applicable laws and regulations, and information security requirements. The work takes place in a well-lit, climate-controlled indoor office with adequate ventilation and moderate noise.

Requirements

• Four-year degree from an accredited college or university in business administration or a related area of study, or equivalent education and experience relevant to lending activities at a financial institution.
• A minimum of 5–7 years of credit experience, with consistently increasing responsibilities and work knowledge.
• Superior loan evaluation and analysis ability.
• Proficiency in computer applications, including preparing spreadsheets and professional reports.
• High level of competency and comfort with financial accounting concepts.
• Proficiency in lending systems and risk scoring models.
• Manual dexterity sufficient to reach and handle items and work with fingers; ability to perceive attributes of objects and materials.
• Ability to remain stationary 90% of the time and occasionally move around the office.
• Ability to operate a computer and office productivity equipment, including a calculator, copy machine, and telephone.
• Ability to communicate frequently with others and exchange accurate information.

Responsibilities

• Perform initial due diligence, analysis, and underwriting of large and/or complicated transactions.
• Analyze financial statements and prepare thorough credit memorandums for commercial loan transactions.
• Prepare written reports covering borrower and guarantor credit profiles; relevant economic, market, company, and industry conditions; historical and projected financial performance; projection scenarios; secondary repayment sources such as collateral; and guarantor financial positions.
• Collect and maintain industry data and research industry-specific information from outside sources.
• Attend meetings with prospective and current borrowers as needed to provide input on credit terms and assist with business development.
• Stay informed about current and emerging legal, compliance, and market matters involving credit approval.
• Pursue professional development through training, seminars, and professional associations, as applicable.
• Provide leadership by example and share knowledge and skills with others.
• Maintain confidentiality of sensitive bank information.
• Maintain a positive and caring atmosphere consistent with Southside Bank’s mission, CORE Values, and Blue Book culture guide.
• Provide enthusiastic, professional, and courteous service to Southside Bank customers and employees.
• Participate in proactive team efforts to achieve departmental and company goals.
• Follow Southside Bank policies and procedures, including applicable audit policies and procedures.
• Perform duties in compliance with applicable laws and regulations, including the Bank Secrecy Act and related anti-money laundering laws, and the Bank’s Information Security Program.
• Comply with safety policies, practices, and procedures, and report unsafe activities to a supervisor and/or Human Resources.
• Perform additional duties as assigned or directed.

Benefits

• Medical, prescription drug, dental, and vision insurance.
• Insurance eligibility for team members and dependents starting on the first day of employment.
• 401(k) with a match.
• Basic, voluntary, and dependent life insurance.
• Paid time off.
• Paid bank holidays.
• Workplace wellness programs.
• Employee assistance programs.
• Tuition reimbursement.

What This Job Offers

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