Credit Officer

Brief Overview of Position

The Credit Officer 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. The position will support the Middle Market line of businesses and is responsible for maximizing portfolio performance, providing oversight and leading deals from opportunity to close.

• Partner with line of business coverage team to provide recommendations on credit structure and potential risks.
• Assess terms under which credit will be extended, including analysis of repayment and projected scenarios, covenants, and collateral requirements.
• Ensure the integrity and proper documentation of individual credits approved as well as the assigned portfolio.
• Act as a responsible steward of the firm’s capital, ensuring fidelity to risk management and underwriting standards.
• Ensure effective administration of the loan policies, programs, objectives and goals as they pertain to the firm, including adherence to policy compliance requirements and timely assessment of risk ratings.
• Stay informed on the latest trends and developments in financial and banking products, financial markets, and regulations.
• Exhibit expert ability to analyze and evaluate credit risk, and to elevate recommendations and influence change.
• Interact, negotiate, and influence at executive levels internally and externally.
• Lead and/or support key initiatives to drive improvements in the delivery of credit solutions for clients and prospects.
• Provide leadership and development for the Portfolio Management team.
• Accompany coverage teams on client visits, when needed.
• May perform other duties as needed.

• Bachelor's degree in finance, accounting, or related field, required; MBA, CPA, CFA or equivalent designations preferred.
• Minimum of twelve (12) years of experience in a credit role with a focus on real estate, both commercial and residential, with demonstrated experience specific to homebuilders and developers.
• Completion of a Formal Credit Training program or commensurate underwriting experience.
• High level of motivation and initiative, with the ability to perform in a fast-paced, collaborative environment and build working relationships across the organization.
• Excellent interpersonal and communication skills, both verbal and written, with the ability to convey policies, procedures and objectives effectively to banking teams and clients.
• High level of analytical skill to assess and manage credit risk and to make final approval decisions.
• Proficiency in MS Office products (Teams, Word, Excel, PowerPoint).
• Understanding of products and services across the firm.
• Thorough knowledge of commercial loans, principles, policies, and practices.
• Knowledge of current lending laws and regulations.
• Proven leadership skills and a passion for financial services and delivering superior client experiences.

Texas Capital is an Equal Opportunity Employer.