Banking Credit Analyst

We are looking for a Banking Credit Analyst to support credit decisioning and portfolio administration for consumer and commercial lending activities in Odessa, Texas. This position focuses on evaluating financial information, reviewing borrower history, and preparing accurate credit documentation to help ensure sound lending practices. The ideal candidate brings strong analytical judgment, attention to detail, and a solid understanding of banking policies, risk review, and customer due diligence requirements.

Responsibilities:
• Review financial statements, tax filings, and prior borrowing performance to assess the repayment capacity and overall financial profile of individuals and businesses.
• Perform credit spreads and initial underwriting analysis for new and existing relationships, helping determine whether requests align with established lending standards.
• Assemble, verify, and process loan-related records to support timely and accurate completion of credit transactions.
• Confirm that collateral files and supporting credit documents are complete, compliant, and properly maintained throughout the lending process.
• Escalate exceptions, missing information, or policy variances to management and assist with appropriate follow-up actions.
• Contribute to the ongoing monitoring of active credits by tracking borrower performance, documentation status, and emerging risk indicators.
• Support back-office credit operations by coordinating with internal teams to maintain efficient workflow and accurate file management.
• Apply KYC and related due diligence practices when reviewing customer information to support regulatory and internal compliance expectations.

Qualifications:

• Experience in banking credit analysis, including review of borrower financial statements and repayment history.
• Working knowledge of commercial credit principles, loan documentation, and collateral review practices.
• Ability to analyze tax returns, prepare credit spreads, and identify key financial trends and risk factors.
• Familiarity with KYC requirements and customer due diligence procedures within a banking environment.
• Strong organizational skills with the ability to manage documentation accurately and follow established processes.
• Effective written and verbal communication skills for presenting findings and reporting policy exceptions.
• Proficiency in back-office support activities related to credit processing, tracking, and file maintenance.

Compensation

Based on experience

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