The Credit Analyst is responsible for independently analyzing and underwriting commercial loan requests, including new originations, renewals, and modifications. The role evaluates borrower financial performance, cash flow capacity, collateral support, and overall credit risk to determine the borrower’s ability to repay in accordance with bank credit policy and regulatory guidelines. The Credit Analyst prepares comprehensive written credit analyses that assess risk, profitability, and structural considerations, and assigns appropriate risk ratings. This position supports the bank’s commercial lending functions.
Essential Responsibilities
Champion SSB&T’s Core Values: Model SSB&T’s core values, embedding them into data strategy, governance, and team culture.
Analyze financial statements, tax returns, and related credit information to assess borrower performance, repayment capacity, and overall credit risk.
Conduct credit investigations and evaluate key risks, mitigants, structural considerations, and risk rating recommendations.
Prepare comprehensive commercial credit memoranda and approval packages supported by financial modeling and cash flow analysis on loan relationships up to Executive level approval.
Monitor financial reporting requirements and covenant compliance to support ongoing portfolio risk management.
Ensure credit files remain current, complete, and compliant with internal policy and regulatory guidelines.
Maintain accurate financial spreading and documentation within nCino and Document Manager systems.
Collaborate with loan officers and credit team members to support underwriting standards, workflow efficiency, and timely portfolio management.
Other duties as assigned.
Employment Commitments & Physical Requirements
Exempt
Full-time
Monday- Friday 8am-5pm
Community/ volunteer involvement
Focus-intensive position requiring extended periods of sitting and digital navigation.
Occasional walking, standing, and use of office equipment.
Must possess close visual acuity and clear speech for verbal communication.
Location & Travel
Position is in Fredericksburg, Texas (Operations 2 Building)
Flexible hybrid opportunity may be available in the future – may relocate to a branch location
Travel may be necessary depending on business needs
Candidate Requirements
1 year of loan analysis or commercial lending experience required
Ability to adapt to growing business needs and structural changes.
Candidate Preferred Qualifications
Bachelor’s degree in Accounting, Finance, or related field preferred.
Strong understanding of Generally Accepted Accounting Principles (GAAP) and financial statement analysis.
Ability to analyze commercial and consumer financial statements and tax returns for individuals and business entities.
Proficiency in Microsoft Excel and Office Suite; experience with nCino and core banking systems (e.g., Horizon) preferred.
Excellent analytical, organizational, and attention-to-detail skills.
Strong written and verbal communication skills, with the ability to present analysis to loan committee and senior leadership.
Numbers & Facts
Location
Fredericksburg, TX
Skills
Accountingunmatched
Analysis Skillsunmatched
Banking Servicesunmatched
Business Growthunmatched
Cash Flowunmatched
Cash Flow Projectionunmatched
Commercial Bankingunmatched
Commercial Loansunmatched
Communication Skillsunmatched
Consumer Financeunmatched
Credit Analysisunmatched
Credit Reportsunmatched
Credit Riskunmatched
Detail Orientedunmatched
Document Managementunmatched
Documentationunmatched
Executive Relationshipsunmatched
Financeunmatched
Financial Analysisunmatched
Financial Modelingunmatched
Financial Reportingunmatched
Financial Statementsunmatched
Generally Accepted Accounting Principles (GAAP)unmatched
Investment Managementunmatched
Leadershipunmatched
Loan Structuringunmatched
Loan Underwritingunmatched
Loansunmatched
Microsoft Excelunmatched
Microsoft Officeunmatched
Office Equipmentunmatched
Organizational Skillsunmatched
Performance Analysisunmatched
Presentation/Verbal Skillsunmatched
Profit & Loss Analysisunmatched
Regulationsunmatched
Regulatory Complianceunmatched
Riskunmatched
Risk Analysisunmatched
Risk Managementunmatched
Systems Administration/Managementunmatched
Tax Returnsunmatched
Time Managementunmatched
Underwritingunmatched
Willing to Travelunmatched
Writing Skillsunmatched
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