Sr Manager, Credit Analysis

Location

We believe in the importance of in‑office collaboration and fully intend for the selected candidate for this role to work on site in the specified location(s):
Westlake, TX

The Sr Manager, Credit Analysis will participate in complex credit underwriting and risk assessment for bank clients. Apply expertise in commercial credit, financial analysis, and loss mitigation to evaluate lending opportunities and manage portfolio risk.

• Evaluate complex credit opportunities by identifying risks and mitigation strategies.
• Apply sound judgment to balance risk and business growth objectives.

• Perform cash flow analysis using financial statements and tax returns.
• Deliver clear, data‑driven credit recommendations.

• Assess portfolio risk across industries and economic cycles.
• Proactively identify emerging risks and mitigation actions.

• Ensure compliance with AML/KYC, regulatory, and internal policy requirements.
• Maintain strong documentation and risk discipline.

• Partner cross‑functionally to drive underwriting decisions.
• Improve processes, tools, and operational efficiency.

• Communicate complex decisions clearly.
• Build trusted relationships across stakeholders.

• 5+ years of commercial/private banking underwriting experience.
• Strong analytical skills; restructuring/foreclosure experience.
• Bachelor’s degree.

• Exposure to underwriting platforms.
• Public equity and debt market knowledge.

• Demonstrates client‑first mindset, collaboration, accountability, and alignment to Schwab culture.

We offer a competitive benefits package that takes care of the whole you – both today and in the future:

• 401(k) with company match and Employee stock purchase plan.
• Paid time for vacation, volunteering, and 28‑day sabbatical after every 5 years of service for eligible positions.
• Paid parental leave and family building benefits.
• Tuition reimbursement.
• Health, dental, and vision insurance.