Credit Analyst - Commercial Banking

Credit Analyst - Commercial Banking

Location Fort Worth, TX | Onsite

Compensation & Schedule
* $31/hr + BOE
* Full-Time, standard business hours
* W2
* Start date: TBD

ROLE IMPACT
The Credit Analyst supports commercial lending teams by delivering accurate financial analysis and sound credit risk assessments. This role ensures high-quality underwriting, appropriate loan structuring, and proactive portfolio monitoring. Success is measured by timely credit decisions, well-structured facilities, and minimized portfolio risk exposure.

Key Responsibilities
* Analyze financial statements, tax returns, cash flow statements, and credit reports to assess borrower risk and repayment capacity
* Perform financial statement spreading and detailed commercial credit analysis
* Conduct annual reviews of commercial loan portfolios and identify potential risk exposure or developing problem loans
* Assign internal risk ratings and recommend loan structures, pricing, covenants, and terms in partnership with Relationship Managers
* Support new and existing credit facilities by gathering, analyzing, and interpreting client financial data while ensuring compliance with bank loan policy and prudent underwriting standards

Minimum Qualifications
* Bachelor's degree in Finance, Accounting, or related field
* 2+ years of credit analysis experience within a commercial banking environment
* Strong understanding of commercial lending, underwriting standards, and credit risk assessment

Core Tools & Systems
* Microsoft Excel (advanced spreadsheet analysis and financial modeling)
* Microsoft Office Suite (Word, Outlook, PowerPoint)
* Financial spreading software and internal loan origination systems (LOS)
* Credit reporting platforms and portfolio management systems

Preferred Skills
* Experience supporting commercial lenders or Relationship Managers
* Exposure to portfolio management, loan review, and risk grading processes
* Knowledge of diverse commercial loan products, structures, and covenant analysis