Associate Credit Officer - Middle Market

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 Go Banking Rate ’s 2023 list of Best Regional Banks.

For more information about joining our team, please visit us at  Overview of Position Associate Credit Officer (ACO) 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.

This position will support the Middle Market line of businesses within the bank. The Associate Credit Officer is responsible for maximizing portfolio performance and providing oversight for the Portfolio Managers leading deals from opportunity to close. Responsibilities include monitoring the portfolio quality against established criteria and recommending adjustments to existing credit facilities as appropriate. The Associate Credit Officer provides efficient follow-up and spearheads processes to ensure best-in-class Customer Service while serving as an internal consultant and liaison between Credit and the Line of Business.

Responsibilities To be successful in this role, candidates must be able to process large amounts of information, communicating in a clear and concise manner, and develop innovative solutions for our clients, all while maintaining a strong and efficient attention to detail. Key responsibilities include, but are not limited to:

Ensures all due diligence and background evaluation is complete before credit approval is granted.

Ensures the effective administration of the corporate loan policies, programs, objectives and goals as they pertain to the Bank Ownership of post-approval modifications to ensure accurate reporting of credit exposure

Oversight and in-depth analysis of macroeconomic conditions, industry trends and changes in lending practices

Ownership of portfolio reporting and analytics: grade-migration, past-dues, exceptions, coming-due maturities, etc.

Oversight of credit related responsibilities for the Credit Risk Analysts and Associates, including financial statement spreading and validation of various underwriting models

Ownership of all credit approvals (new customers, modifications, renewals, increases, risk assessments)
Identification of key risks and issues pertinent to each credit request, including potential mitigants for identified risks

Lead and/or support key initiatives to drive improvements in the delivery of credit solutions for clients and prospects

Assures the integrity of individual credits approved as well as the assigned portfolio.

Responsible for risk rating assessment and periodic relationship reviews

Partner with Relationship Manager in credit agreement review and negotiation

Validate covenant compliance and covenant management, when applicable

Direct and manage portfolio review, when applicable

Works with and mentors underwriting team.

Ownership of policy exception identification

Identify cross-sell opportunities

Assesses risk…