Senior Credit Analyst
On-site · San Antonio, Texas, United States
Job Summary
Senior Credit Analyst responsible for underwriting commercial loan requests (approximately 80% CRE / 20% C&I), with typical deal sizes $1MM–$1.5MM. Manages a high-volume pipeline, spreads financial statements, performs cash flow analysis, and prepares credit memos for credit committee review. Presents analysis to senior leadership, partners with commercial lenders to clarify deal structure, and provides mentoring and leadership coverage for junior analysts. In-office role based in San Antonio, TX, with focus on responsiveness, independent judgment, and strong credit standards.
Required Qualifications
- 5+ years of commercial credit analysis or commercial underwriting experience
- Current or recent community bank experience strongly preferred
- Strong commercial real estate underwriting experience, including investor-owned, owner-occupied, construction, or related property types
- Demonstrated ability to spread financial statements, analyze cash flow, and prepare credit memos suitable for credit committee review
- Bachelor’s degree in Finance, Accounting, Economics, or related field preferred
- Strong communication skills and confidence interacting directly with commercial lenders and senior leadership
- Ability and willingness to mentor and review work completed by junior analysts
- Located in or willing to relocate to the San Antonio area
- Experience with Moody’s Financial Analyst / CreditLens (preferred)
- Diversity of C&I underwriting across multiple industries (healthcare, hospitality, manufacturing, professional services)
- Previous experience serving in a senior analyst or team lead capacity
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