Credit Analyst II - Houston or Beaumont

Credit Analyst II

Research shows that individuals from historically underrepresented groups may hesitate to apply for roles unless they meet every listed requirement. If you believe your skills, knowledge, and experience align with the role, even if they don't exactly match the listed qualifications, we encourage you to apply. Your unique talents may be exactly what we're looking for.

Open to anyone residing in Texas.

The Credit Analysis team plays a critical role in maintaining the strength and stability of the bank. Their primary responsibility is to evaluate new commercial and corporate loan requests, ensuring that every decision aligns with sound credit principles and the organization's risk appetite. This team conducts detailed financial analysis, assesses collateral, and applies risk rating methodologies to provide a clear, objective view of each opportunity.

By doing so, they help balance growth with prudent risk managementprotecting the bank while enabling clients to achieve their goals. The team works closely with Relationship Managers and senior leadership, offering insights that guide strategic lending decisions. In short, they are the gatekeepers of credit quality, and their expertise directly impacts the health of our portfolio and the long‑term success of the business.

Credit Analyst II takes on a broader scope of responsibility, underwriting moderately complex commercial loans with limited supervision. This role manages the full credit analysis process for new loan requests, including detailed financial statement review, credit bureau analysis, and preparation of underwriting narratives. Analysts also run industry-specific reports and review third‑party valuations to support risk assessment. By delivering accurate and timely analysis, Credit Analyst II helps ensure that lending decisions align with both client needs and the bank's risk standards, playing a key role in maintaining credit quality and supporting business growth.

The position performs duties specific to the position and other functions as assigned by management.

This position is not responsible for the supervision of staff.

The incumbent is in a non-confined office setting in which they are free to move about  the course of performing the duties and responsibilities of this position spends time writing, speaking, listening, lifting (up to 25 pounds), sitting, typing on a computer keyboard, and standing, kneeling and reaching.

The incumbent for this position may operate any or all of the following: telephone, copy and fax machine, adding machine, computer and related printers.

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The incumbent in this position must be able to read documents or instruments, detailed work, problem solving, customer contact, reasoning, math, verbal and written communication, analytical reasoning, multiple tasks with constant interruptions.

These specifications are…