Credit Analyst III

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Regular Full-Time Employee Austin, Austin, TX, US

3 days ago Requisition

As a Credit Analyst III
, you will play a key role in the Bank's commercial credit underwriting process, partnering with lenders and departments across the organization to evaluate complex commercial lending relationships and support sound credit decisions. This role requires strong analytical skills, sound judgment, attention to detail, and the ability to navigate a fast-paced environment while balancing multiple priorities.

This full-time, in-person position is based in our downtown Austin office (600 West 5 th Street) and provides the opportunity to apply your expertise in financial analysis, credit risk assessment, and regulatory compliance while contributing to a collaborative, high-performing Credit team.

If you're an experienced credit professional who enjoys analyzing complex financial information and helping drive quality lending decisions, we'd love to hear from you.

Key responsibilities include:

• Analyze complex financial information to evaluate the creditworthiness of prospective and existing commercial borrowers, supporting sound lending decisions.
• Prepare financial spreads, credit analyses, and presentations
  for management and senior lending staff, clearly communicating credit risks and recommendations.
• Review loan risk ratings, credit packages, and loan structures
  to ensure compliance with the Bank's Loan Policy, risk rating methodology, and underwriting standards.
• Identify credit strengths, weaknesses, and emerging risks
  , providing independent analysis and recommendations to support quality credit decisions.
• Complete annual credit reviews
  and ongoing portfolio monitoring for assigned lending relationships.
• Partner with lenders and other departments to provide timely credit analysis
  and responsive support throughout the underwriting process.
• Maintain effective verbal and written communication while delivering exceptional service to internal and external customers
  .
• Identify opportunities
  to improve processes, enhance efficiency, and strengthen the Bank's credit underwriting practices.
• Other duties as assigned and/or taken on.

We are searching for professionals who have had proven success in their past careers, are self-motivated, and have a great attitude to join our team.

Specific requirements include:

• Minimum:
  
  Bachelor’s degree in accounting, finance, or another related field and 3+ years of direct industry experience in commercial credit, especially commercial real estate & banking C&I; or the equivalent combination of education and experience, which demonstrates the knowledge, skills, and abilities to perform the job duties of this position.
• Demonstrated experience analyzing commercial financial statements, tax returns, cash flow, collateral, and repayment capacity.
• Strong understanding of commercial credit underwriting principles, credit policy, and regulatory expectations.
• Excellent analytical, written, and verbal communication skills, with the ability to clearly communicate credit recommendations.
• Strong organizational, time management, and problem-solving skills with the ability to work independently and manage competing priorities.

Desired qualifications:

• Experience using CASH Suite or similar commercial credit analysis software.
• Community banking experience.

We’re not just your ordinary bank - we have something special here  charter dates back to 1905, giving us over a century of experience serving Central Texas. We pride ourselves on creating lifelong customer relationships and business partnerships and have a reputation for an unwavering commitment to our teams, our communities, and our customers.

Thanks to our diverse, energetic team, Horizon continues to grow and succeed:

• #1 locally owned bank according to Austin Business Journal 2020 Power Rankings.
• Top 40 community banks nationwide by S&P Global Market Intelligence.
• 2024 top 10 community bank according to American Bankers Association.
• 2020 & 2021…