Credit Risk Analyst

Texas Capital Bank - Richardson, TX

Full-time - Mid Level

Richardson, TX

Credit Intermediation and Related Activities

About the position

The Credit Risk Analyst role at Texas Capital Bank is a full-time position within the Credit Administration department, reporting to the Associate Credit Officer. This role is essential for supporting the underwriting function, which is critical to the success of various business lines. The Analyst will assist the Business Banking team in delivering exceptional client experiences and comprehensive financial solutions across diverse industries.

Responsibilities

• Create financial statement spreads and analyze data
• Participate in the analysis, evaluation, and underwriting of proposed credit facilities for prospects and customers
• Support Portfolio Manager in credit approval process (new customers, modifications, increases, risk assessments)
• Support Portfolio Manager in portfolio reporting and analytics (grade migration, past-dues, exceptions, coming-due, etc.)
• Work with Relationship Managers, Portfolio Managers and Credit Officers to assess credit opportunities, identify key risks, and structure alternatives
• Assist in the preparation of credit packages
• Initiate background checks/credit reports
• Coordinate internal discussions
• Assist in exception tracking, clearing & reporting
• Conduct research on borrowers and industries
• Special projects as needed

Requirements

• Minimum 2 years of commercial underwriting experience
• Bachelor's degree in Finance, Accounting, Real Estate, Commercial Banking, or equivalent/relevant program
• Interest in a long-term career in Banking
• Passion for financial services and delivering superior client experiences
• Extraordinary levels of motivation and initiative
• Effective team players who want to work in a fast-paced, collaborative environment and build working relationships across the organization
• Exceptional writing, interpersonal and communication skills
• Strong Microsoft Office skills including Outlook, Excel, and PowerPoint to produce reports, memos, and presentations
• Proven leadership skills and community involvement

Benefits

• Wellness program
• Paid holidays
• Disability insurance
• Health insurance
• Paid time off
• 401(k) matching