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Credit Analyst Jobs in Texas (NOW HIRING)

Capital Farm Credit

Credit Analyst

Lubbock, TX · On-site

Two (2) to four (4) years of experience in the administration and analysis of credit on commercial and mortgage loans including risk assessments and recommendations on approval of new loan or lease ...

Tree Line Capital Partners

Credit Analyst

Austin, TX · On-site

$80K - $100K/yr

Tree Line Credit Analyst: Job Announcement - August 2026 Tree Line Capital Partners, LLC ("Tree Line" or "TLCP") is seeking to hire two (2) Credit Analyst in its Austin office, with a target start ...

New

Vantage Bank Texas

Credit Analyst

Mcallen, TX · On-site

$65 - $95/hr

The Credit Analyst works closely with lenders, Credit Administration, and other internal partners to obtain necessary information, resolve underwriting questions, and ensure credit requests are ...

New

Vantage Bank

Credit Analyst

Dallas, TX

JOB SUMMARY The Credit Analyst prepares comprehensive credit presentations for new, renewed, modified, and existing credit relationships. They assign appropriate risk ratings, identify material ...

Vantage Bank

Credit Analyst

El Paso, TX

JOB SUMMARY The Credit Analyst prepares comprehensive credit presentations for new, renewed, modified, and existing credit relationships. They assign appropriate risk ratings, identify material ...

Vantage Bank

Credit Analyst

Fort Worth, TX

JOB SUMMARY The Credit Analyst prepares comprehensive credit presentations for new, renewed, modified, and existing credit relationships. They assign appropriate risk ratings, identify material ...

Vantage Bank

Credit Analyst

Houston, TX

JOB SUMMARY The Credit Analyst prepares comprehensive credit presentations for new, renewed, modified, and existing credit relationships. They assign appropriate risk ratings, identify material ...

Vantage Bank

Credit Analyst

San Antonio, TX

JOB SUMMARY The Credit Analyst prepares comprehensive credit presentations for new, renewed, modified, and existing credit relationships. They assign appropriate risk ratings, identify material ...

GREATER STATE BANK

CREDIT ANALYST

Mcallen, TX

The Credit Analyst position provides high level support to Commercial Lending Team and Credit Officer on day-to-day activities. The Credit Analyst will work primarily with the Credit Officer to ...

Haynes and Boone, LLP

Credit Analyst

Dallas, TX

The Credit Analyst will work closely with the Credit Manager, New Business Intake team, billing attorneys, and the Billing and Collections teams to resolve client collections issues and improve the ...

Tolleson Wealth Management

Credit Analyst

Dallas, TX · On-site

Retrieve and analyze consumer credit reports. * Assess the credit risk associated with each application, taking into consideration factors such as ability to repay, payment history, debt levels, and ...

Haynes and Boone, LLP

Credit Analyst

Houston, TX

The Credit Analyst will work closely with the Credit Manager, New Business Intake team, billing attorneys, and the Billing and Collections teams to resolve client collections issues and improve the ...

Tolleson Wealth Management

Credit Analyst

Dallas, TX

Retrieve and analyze consumer credit reports. * Assess the credit risk associated with each application, taking into consideration factors such as ability to repay, payment history, debt levels, and ...

Haynes and Boone, LLP

Credit Analyst

Fort Worth, TX · On-site

$65 - $90/hr

The Credit Analyst will work closely with the Credit Manager, New Business Intake team, billing attorneys, and the Billing and Collections teams to resolve client collections issues and improve the ...

New

Haynes and Boone, LLP

Credit Analyst

Dallas, TX · On-site

The Credit Analyst will work closely with the Credit Manager, New Business Intake team, billing attorneys, and the Billing and Collections teams to resolve client collections issues and improve the ...

Tolleson Wealth Management

Credit Analyst

Dallas, TX · On-site

Retrieve and analyze consumer credit reports. * Assess the credit risk associated with each application, taking into consideration factors such as ability to repay, payment history, debt levels, and ...

Spencer Gray

Credit Analyst

Irving, TX · On-site

$21.50/hr

*** This position is onsite The Credit Analyst is responsible for conducting credit investigations and analyzing credit information pertaining to loans. In addition, to verifying and updating credit ...

Hilltop Holdings

Credit Analyst

Austin, TX · On-site

The Credit Analyst with PlainsCapital Bank provides full support to the Commercial Lending Officers and is primarily responsible for underwriting financial transactions involving working capital ...

Hilltop Holdings

Credit Analyst

Austin, TX · On-site

The Credit Analyst with PlainsCapital Bank provides full support to the Commercial Lending Officers and is primarily responsible for underwriting financial transactions involving working capital ...

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All JobsCredit Analyst JobsCredit Analyst Jobs in Texas

Credit Analyst information

See Texas salary details

$14

$27

$45

How much do credit analyst jobs pay per hour?

As of Sep 4, 2026, the average hourly pay for credit analyst in Texas is $27.88, according to ZipRecruiter salary data. Most workers in this role earn between $21.49 and $31.35 per hour, depending on experience, location, and employer.

What does a credit analyst do?

A Credit Analyst evaluates the creditworthiness of individuals or businesses applying for loans or credit. They review financial statements, credit reports, and economic conditions to assess the risk of lending money. Based on their analysis, they make recommendations to approve or deny credit applications and may suggest terms for repayment. Their work helps financial institutions minimize losses and make informed lending decisions.

What does a credit analyst do?

As a credit analyst, you evaluate customer credit history to determine the risk level for giving out loans or lines of credit to clients. You’ll use statistical software to help you decide which clients are eligible for loans and which ones aren’t. Your job duties include analyzing your clients’ financial statements and credit history, establishing credit limits, informing clients of payment policies, and resolving disputes. Your decisions impact whether the bank or financial institution you work for makes money or loses money, so your responsibilities make you a crucial part of the team.

What are the key skills and qualifications needed to thrive as a credit analyst, and why are they important?

To thrive as a Credit Analyst, you need strong analytical skills, financial acumen, and typically a degree in finance, accounting, or a related field. Proficiency in financial modeling, Microsoft Excel, and experience with credit risk assessment software such as Moody’s or S&P Global Market Intelligence are highly valued. Excellent attention to detail, effective communication, and sound judgment are essential soft skills for assessing clients and presenting findings. These abilities ensure accurate credit evaluations, mitigate risk, and support informed lending decisions.

What are the typical challenges a credit analyst faces when evaluating complex loan applications?

Credit Analysts often encounter challenges such as incomplete financial information, inconsistent documentation, and the need to assess risk in rapidly changing market conditions. Evaluating applicants from diverse industries may require specialized knowledge to accurately interpret financial statements and cash flow projections. Strong analytical skills and effective communication with both clients and internal stakeholders are essential to resolve ambiguities and ensure sound credit decisions.

What is the difference between Credit Analyst vs Loan Officer?

AspectCredit AnalystLoan Officer
Required CredentialsBachelor's degree in finance, accounting, or related field; certifications like CFA or credit analysis coursesBachelor's degree in finance, business, or related; often requires mortgage or loan origination licenses
Work EnvironmentOffice setting, analyzing financial data, assessing creditworthinessOffice or branch, meeting clients, processing loan applications
Employer & Industry UsageBanks, credit unions, financial institutionsBanks, mortgage companies, credit unions

While both roles involve financial assessment, a Credit Analyst primarily evaluates credit data to determine risk, whereas a Loan Officer interacts directly with clients to approve and process loan applications. Understanding these differences helps in choosing the right career path or job search focus.

Are credit analysts paid well?

Credit analysts typically earn a competitive salary that varies based on experience, education, and location. According to industry data, the median annual wage for credit analysts is around $70,000, with higher earnings possible for those with advanced certifications or in senior roles. The profession often offers opportunities for bonuses and career advancement.

What qualifications do you need to be a credit analyst?

To become a credit analyst, candidates typically need a bachelor's degree in finance, accounting, economics, or a related field. Strong analytical skills, proficiency with financial analysis tools, and knowledge of credit reporting and risk assessment are also important. Some roles may require relevant certifications such as the Chartered Financial Analyst (CFA) or Credit Risk Certification.
More about Credit Analyst jobs

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The most popular types of Credit Analyst jobs in Texas are:

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For Credit Analyst jobs in Texas, the most frequently searched job titles are:

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The top searched job categories for Credit Analyst jobs in Texas are:

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Cities in Texas with the most Credit Analyst job openings:

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For Credit Analyst jobs in TX, the most frequently searched job titles are:

Credit Analyst jobs near you
Infographic showing various Credit Analyst job openings in Texas as of August 2026, with employment types broken down into 1% Internship, 82% Full Time, 16% Part Time, and 1% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $57,989 per year, or $27.9 per hour.

Credit Analyst

Capital Farm Credit

Lubbock, TX • On-site

Full-time

Posted 25 days ago

Key responsibilities

  • Assist Relationship Managers, Special Assets Officers, and Loan Administrators with analysis, data input, and risk determination related to loans and leases.

  • Perform credit analysis on loans and leases by evaluating financial information, collateral, and repayment sources to determine creditworthiness and risk ratings.

  • Review and approve loans and credit servicing actions within delegated authority and prepare recommendations for loan committees.

Job description

EDUCATION AND EXPERIENCE

  • Bachelor's degree in Finance, Business Administration or a related field, or equivalent experience.
  • Two (2) to four (4) years of experience in the administration and analysis of credit on commercial and mortgage loans including risk assessments and recommendations on approval of new loan or lease applications or credit servicing actions. 

JOB SUMMARY

  • Assists Relationship Managers, Special Assets Officers and Administrators with data input, analysis, and risk determination.
  • Performs simple to moderately complex level credit analysis work on loans and leases, works under moderate supervision.
  • In many cases the person is part of a deal team that processes a new loan or lease or credit servicing requests. 

ESSENTIAL FUNCTIONS

  • Provides assistance to Relationship Managers, Special Assets Officers, and Loan Administrators in analysis, servicing and reporting of the Association's loans and leases.
  • Analyzes financial information including balance sheets, income statements and cash flows of potential borrowers to ascertain credit worthiness. Determines appropriate risk Probability of Default (PD) rating for loans and leases.
  • Analyzes collateral and borrower primary and secondary repayment sources. Determines appropriate Loss Given Default (LGD) rating for loans and leases.
  • Interprets, communicates, and provides guidance regarding Association lending policies and procedures.
  • Works directly with other internal stakeholders in the development of appropriate credit decisions and prepares other reports as requested by management.
  • Reviews and approves loans submitted by other lending staff that exceed their delegated authority.
  • Complies with proper credit administration practices as outlined in the association's policies and procedures.
  • Assists senior-level credit analysts with complex loan applications as necessary.
  • Participates in the development of loan/lease relationships with other lenders, potential borrowers, applicants, members, participants, and loan/lease referral sources.
  • Assists in the development and closing of loans/leases by assisting management and loan officers and negotiation of such credits.
  • Acts as an approver of loans, leases and credit servicing actions within personal delegated authority and prepares recommendations for loan committee on loans exceeding such delegated authority.
  • Interprets and acts upon various legal, title and other questions which may arise on loans or leases.
  • May assist in developing and administering lending programs, as well as developing and revising operating procedures relating to lending operations.
  • Provides mentoring/training to less-senior credit analysts.
  • Assists other Association personnel in completing projects as assigned.
  • Other duties as assigned.

REQUIRED SKILLS

  • General knowledge of accounting/financial systems.
  • Specialized knowledge of accounting/finance principles.
  • Skill in oral and written communication.
  • Intermediate skill level in Microsoft Office applications.
  • Ability to perform intermediate-level accounting and financial analyses under moderate supervision.

DISCLAIMER

We are an Equal Employment/Affirmative Action employer. We do not discriminate in hiring on the basis of sex, race, color, religious creed, national origin, physical or mental disability, protected Veteran status, or any other characteristic protected by federal, state, or local law. If you need a reasonable accommodation for any part of the employment process, please contact us by email at careers@capitalfarmcredit.com and let us know the nature of your request and your contact information. Requests for accommodation will be considered on a case-by-case basis. Please note that only inquiries concerning a request for reasonable accommodation will be responded to from this e-mail address. For more information, view the EEO - Know Your Rights and Pay Transparency Statement.

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