Credit Analyst III

About The Role

Extraco Banks is seeking an experienced and detail-oriented Commercial Analyst III to support the Commercial and CRE lending portfolio. This senior-level role is responsible for complex credit underwriting, portfolio monitoring, and collaboration with Relationship Managers, Portfolio Managers, and Credit Management.

The ideal candidate is a strong analytical professional who can balance risk management with growth objectives, serve as a subject matter expert on complex credit relationships, and contribute to maintaining high asset quality while supporting strategic portfolio growth.

• Lead underwriting of complex commercial and CRE credits, including financial spreading, cash flow and global analysis, collateral evaluation, and sensitivity analysis
• Structure and recommend loan terms, covenants, and collateral packages that align with client needs and sound risk practices
• Prepare clear, concise, decision-ready credit approval packages outlining risk ratings, key risks, mitigants, and policy exceptions

• Monitor covenant compliance and financial reporting requirements; identify breaches or emerging concerns
• Recommend renewals, waivers, amendments, or other corrective actions when needed
• Maintain accurate and timely risk ratings and support early warning and watch list processes
• Monitor macroeconomic and industry trends impacting borrower performance and portfolio segments

• Partner with Relationship Managers and Portfolio Managers on new deals, opportunity memos, and pre‑screening discussions
• Participate in client calls and site visits to better understand borrower operations and risk drivers
• Collaborate with Credit Management to ensure timely preparation of Loan Committee materials
• Act as a subject matter expert for underwriting guidance and system support

• Manage the Credit Inbox and oversee assignment and tracking of incoming analysis requests
• Support portfolio reporting, data integrity initiatives, stress testing, and special projects
• Ensure work product aligns with internal policies and regulatory expectations

• Mentor and coach junior analysts to promote consistency and quality in underwriting
• Complete required training and contribute to ongoing process improvements
• Participate in continuing education through training sessions, seminars, and industry events

• Bachelor’s degree in Finance, Accounting, Economics, or related field (required)
• 9+ hours of accounting coursework preferred
• Advanced degree or formal credit training (preferred)
• 5–7+ years of progressive commercial credit analysis experience (C&I and/or CRE)

• Strong financial statement and tax return analysis capabilities
• Proficiency in cash flow modeling, projections, and sensitivity analysis
• Strong analytical judgment with sound risk awareness
• Ability to manage multiple complex assignments and meet deadlines
• Collaborative mindset with ability to balance sales and risk perspectives
• Proficiency in spreadsheets, loan origination systems, and Microsoft Office
• Working knowledge of loan structures, documentation fundamentals, and regulatory guidance
• Excellent written and verbal communication skills, including presenting to senior leadership
• Strong attention to detail, organization, and time management skills

• Develop advanced expertise in Extraco credit policies, underwriting standards, and risk rating methodology
• Gain proficiency in loan systems, portfolio reporting tools, and data integrity processes
• Participate in ongoing professional development, including internal and external training opportunities
• Support knowledge sharing and training of junior analysts

Extraco Banks is committed to strong credit quality, responsible growth, and employee development. In this role, you’ll work on complex, high-value relationships while contributing to strategic portfolio decisions.

You’ll join a collaborative team environment that values expertise, accountability, and continuous improvement—while offering opportunities for…