Credit Officer

Texas Capital is built to help businesses and their leaders. Our depth of knowledge and expertise allows us to bring the best of the big firms at a scale that works for our clients, with highly experienced bankers who truly invest in people's success - today and tomorrow.

While we are rooted in core financial products, we are differentiated by our approach. Our bankers are seasoned financial experts who possess deep experience across a multitude of industries. Equally important, they bring commitment - investing the time and resources to understand our clients' immediate needs, identify market opportunities and meet long-term objectives. At Texas Capital, we do more than build business success. We build long-lasting relationships.

Texas Capital provides a variety of benefits to colleagues, including health insurance coverage, wellness program, fertility and family building aids, life and disability insurance, retirement savings plans with a generous 401K match, paid leave programs, paid holidays, and paid time off (PTO).

Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, Texas Capital was recently named Best Regional Bank in 2024 by Bankrate and was named to The Dallas Morning News' Dallas-Fort Worth metroplex Top Workplaces 2023 and GoBankingRate's 2023 list of Best Regional Banks. For more information about joining our team, please visit us at www.texascapitalbank.com.

Brief Overview of Position

The Credit Officer is positioned within Credit Administration and is integral to the success of each line of business it supports, helping to drive the strategic vision set forth by Texas Capital Bank.

The position will support the Middle Market line of businesses and is responsible for maximizing portfolio performance, providing oversight and leading deals from opportunity to close.

Responsibilities

To be successful in this role, the candidate must be an effective team player who is able to process large amounts of information, communicate and collaborate in a clear and concise manner, and develop innovative solutions for our clients, all while maintaining a strong and efficient attention to detail and managing multiple workstreams. Key responsibilities include, but are not limited to:

• Partners with line of business coverage team to provide recommendations on credit structure and potential risks
• Assesses terms under which credit will be extended, including analysis of repayment and projected scenarios, covenants, and collateral requirements
• Assures the integrity and proper documentation of individual credits approved as well as the assigned portfolio
• Acts as a responsible steward of the firm's capital, ensuring fidelity to risk management and underwriting standards
• Ensures effective administration of the loan policies, programs, objectives and goals as they pertain to the firm, to include adherence to policy compliance requirements assessment of risk ratings in an accurate and timely manner
• Stays informed on the latest trends and developments in financial and banking products, financial markets, and regulations
• Expert ability to analyze and evaluate credit risk, with expert ability to escalate recommendations and influence change
• Expert ability to interact, negotiate, and influence at executive levels internally and externally
• Lead and/or support key initiatives to drive improvements in the delivery of credit solutions for clients and prospects
• Provides leadership and development for Portfolio Management team
• Accompanies coverage teams on client visits, when needed
• May perform other duties as needed

Qualifications

• Bachelor's degree in finance, accounting, or related field, required; MBA, CPA, CFA or equivalent designations preferred
• Minimum of twelve (12) years of experience in a credit role with a focus on real estate, both commercial and residential, with demonstrated experience specific to both homebuilders and developers.
• Completion of a Formal Credit Training program or commensurate underwriting experience
• Must possess a high level of motivation and initiative with the ability to perform in a fast-paced, collaborative environment and build working relationships across the organization
• Must have excellent interpersonal and communications skills, both verbal and written, with ability to communicate policies, procedures and objectives effectively throughout the firm and to cultivate working relationships with banking teams and clients
• Must have a high level of analytical skill to assess and manage areas of responsibility including determination of credit risk involved and making final approval decisions
• Proficient in MS Office products (Teams, Word, Excel, PowerPoint)
• Understanding of products and services across the firm
• Thorough knowledge of commercial loans, principles, policies, and practices
• Knowledge of current lending laws and regulations
• Proven leadership skills and a passion for financial services and delivering superior client experiences

The duties listed above are the essential functions, or fundamental duties within the job classification. The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy.Texas Capital is an Equal Opportunity Employer.