Credit Analyst

Job Description Job Description

CornerStone Professional Placement has partnered with a local bank in their search for an experienced Credit Analyst for SBA Loan Management to join their commercial banking team. This is a Direct Hire opportunity for a credit professional who excels in commercial portfolio management, financial analysis, and credit risk assessment. The ideal candidate will have a strong background in commercial lending and enjoy working collaboratively with lenders, credit analysts, and executive leadership to maintain a high-quality loan portfolio.

Responsibilities:

• Manage and monitor an assigned commercial loan portfolio to ensure strong credit quality and compliance.
• Perform detailed financial analysis and periodic reviews to evaluate borrower performance and identify emerging credit risks.
• Maintain accurate risk ratings and recommend changes based on borrower financial condition and market trends.
• Partner with Commercial Lenders on renewals, modifications, extensions, and overall portfolio management strategies.
• Prepare annual reviews, credit memorandums, and portfolio monitoring documentation in accordance with bank policy.
• Monitor financial reporting requirements and covenant compliance, proactively following up on missing information.
• Manage criticized and classified credits while developing action plans to minimize portfolio risk.
• Assist in structuring loan terms and covenant packages that protect the bank's interests.
• Collaborate with Loan Operations, Compliance, Credit Analysts, and other internal departments to ensure sound credit administration.
• Identify opportunities to improve portfolio monitoring, reporting, and credit administration processes.
• Maintain professional relationships with borrowers while supporting ongoing financial reviews and reporting requirements.

Requirements:

• Bachelor's Degree in Finance, Accounting, Business Administration, or a related field required.
• Professional banking credit training (RMA or formal bank credit program) preferred.
• Minimum 5+ years of commercial lending, credit analysis, or loan portfolio management experience.
• We are seeking candidates with 7A SBA loan background. These are not asset based loans.
• Strong experience analyzing commercial financial statements and assessing credit risk.
• Knowledge of commercial real estate, commercial & industrial lending, and professional practice lending.
• Understanding of loan documentation, covenant monitoring, and portfolio risk management.
• Experience managing criticized or underperforming commercial credits.
• Strong analytical, organizational, and communication skills.
• Ability to work effectively with lenders, borrowers, and cross-functional banking teams.

Compensation and Benefits:

• Employment Type: Direct Hire
• Schedule: Full-Time
• Location: On-site Fort Worth, TX
• Salary:$75-95K, based on experience
• Benefits: Comprehensive benefits package available upon permanent hire.
  

If you are an experienced commercial banking professional looking for an opportunity to grow your career with a respected local bank, we encourage you to apply today.