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Credit Operations Jobs in Texas (NOW HIRING)

Wilks

Senior Credit Workout Specialist

Fort Worth, TX · On-site

The Senior Credit Workout Specialist plays a central role in Equify's collections and credit operations, sitting at the intersection of portfolio management and credit underwriting. This position ...

Equify

Credit Analyst I

Fort Worth, TX · On-site

This is a fast-paced position that offers direct exposure to credit, operations, sales, collections, and senior leadership. The ideal candidate is a motivated recent graduate or emerging credit ...

Wilks

Credit Analyst I

Fort Worth, TX · On-site

This is a fast-paced position that offers direct exposure to credit, operations, sales, collections, and senior leadership. The ideal candidate is a motivated recent graduate or emerging credit ...

Wilks Brothers

Credit Analyst I

Fort Worth, TX

This is a fast-paced position that offers direct exposure to credit, operations, sales, collections, and senior leadership. The ideal candidate is a motivated recent graduate or emerging credit ...

Equify

Senior Credit Workout Specialist

Fort Worth, TX · On-site

The Senior Credit Workout Specialist plays a central role in Equify's collections and credit operations, sitting at the intersection of portfolio management and credit underwriting. This position ...

Equiliem

Commercial Credit Specialist

Richardson, TX · On-site

$23/hr

... operations. This role ensures lien documentation is accurate, complete, and processed within established timelines. The position also provides administrative support to the Credit department ...

Capital Farm Credit

Credit Analyst

Lubbock, TX

... operations. * Provides mentoring/training to less-senior credit analysts. * Assists other ... Association personnel in completing projects as assigned. * Other duties as assigned. REQUIRED ...

Capital Farm Credit

Credit Analyst

Lubbock, TX · On-site

... operations. * Provides mentoring/training to less-senior credit analysts. * Assists other ... Association personnel in completing projects as assigned. * Other duties as assigned. REQUIRED ...

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Showing results 21-40

All JobsCredit Operations JobsCredit Operations Jobs in Texas

Credit Operations information

See Texas salary details

$14

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$39

How much do credit operations jobs pay per hour?

As of Aug 16, 2026, the average hourly pay for credit operations in Texas is $30.32, according to ZipRecruiter salary data. Most workers in this role earn between $23.51 and $35.62 per hour, depending on experience, location, and employer.

What are some common challenges faced in a credit operations role, and how can they be addressed?

Professionals in Credit Operations often encounter challenges such as managing large volumes of transactions, ensuring regulatory compliance, and maintaining accuracy under tight deadlines. Addressing these challenges requires strong attention to detail, effective time management, and regular communication with internal teams such as risk, compliance, and sales. Many organizations support their Credit Operations teams with regular training, clear process documentation, and technology solutions to streamline workflows and reduce manual errors.

What are the key skills and qualifications needed to thrive in credit operations?

To thrive in Credit Operations, you need strong analytical skills, attention to detail, and a solid understanding of credit risk assessment, often supported by a degree in finance, accounting, or business. Familiarity with credit management software, financial modeling tools, and regulatory compliance systems is typically required. Excellent communication, problem-solving, and organizational skills help professionals effectively manage credit processes and collaborate with clients and internal teams. These skills and qualities are vital to ensure accurate credit evaluation, minimize risk, and maintain smooth financial operations.

What is the difference between Credit Operations vs Credit Analyst?

AspectCredit OperationsCredit Analyst
Primary RoleManages credit processes, risk assessment, and loan approval workflowsAnalyzes credit data to assess borrower risk and make lending recommendations
Required SkillsProcess management, risk assessment, compliance knowledgeFinancial analysis, credit scoring, data interpretation
Work EnvironmentBanking, financial institutions, credit departmentsBanking, lending firms, financial services
CertificationsTypically none required, but certifications like CFA or credit-specific courses helpCertifications like CFA, Credit Risk Certification often preferred

While both roles are integral to the credit industry, Credit Operations focuses on managing credit processes and workflows, ensuring compliance and efficiency. Credit Analysts primarily evaluate individual creditworthiness through data analysis to inform lending decisions. Understanding these differences helps job seekers target the right roles based on their skills and career goals.

What is credit operations?

Credit Operations refers to the processes and tasks involved in managing a company's credit-related activities, such as evaluating credit applications, monitoring credit limits, processing loans, and ensuring compliance with credit policies. Professionals in Credit Operations work to minimize financial risks by assessing the creditworthiness of clients and maintaining accurate records. They also collaborate with other departments to ensure smooth and efficient financial transactions while adhering to regulatory requirements.

What are popular job titles related to Credit Operations jobs in Texas?

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

What job categories do people searching Credit Operations jobs in Texas look for?

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

Credit Operations jobs near you
Infographic showing various Credit Operations job openings in Texas as of August 2026, with employment types broken down into 87% Full Time, 10% Part Time, 1% Temporary, and 2% Contract. Highlights an 94% Physical, 2% Hybrid, and 4% Remote job distribution, with an average salary of $63,058 per year, or $30.3 per hour.

Senior Credit Workout Specialist

Wilks

Fort Worth, TX • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 24 days ago

Job description

The Senior Credit Workout Specialist plays a central role in Equify's collections and credit operations, sitting at the intersection of portfolio management and credit underwriting. This position manages an assigned portfolio of delinquent accounts across all collection stages while serving as the primary modification and rewrite resource for the broader collections team.
When other collectors reach accounts that require credit restructuring - whether a rate adjustment, loan increase, additional collateral pledge, or full rewrite - this person evaluates, underwrites, and structures the solution. This role carries real credit authority and real accountability. The ideal candidate thinks like a credit officer, communicates like a relationship manager, and understands the equipment finance market well enough to assess both borrower risk and collateral position with confidence.
Key Roles / Responsibilities:
Portfolio Collections Management
  • Manage an assigned portfolio of delinquent accounts across early (0-20 day), mid (21-50 day), and late-stage (51+ day) delinquency buckets
  • Conduct inbound and outbound customer contact to negotiate payment arrangements, resolve past-due balances, and develop account resolution strategies
  • Assess each delinquent account holistically, considering borrower financial condition, collateral position, and the full range of available resolution tools
  • Identify accounts where a modification, rewrite, or collateral add represents a stronger outcome than continued collections pursuit and initiate accordingly
  • Document all account activity, customer interactions, and resolution efforts in the loan servicing system with accuracy and timeliness

Modification & Rewrite Underwriting - Own Portfolio and Team-Wide Support
  • Serve as the modification and rewrite underwriting resource for the full collections team, evaluating and structuring credit solutions referred by Senior Collection Specialists and other collectors across all delinquency stages
  • Underwrite loan modifications including loan amount increases, interest rate adjustments, and additional collateral pledges to strengthen Equify's secured position
  • Re-underwrite borrower credit profiles to support modification decisions - analyzing credit bureau data, financial statements, cash flow, equipment collateral values, and debt service capacity
  • Evaluate the adequacy and marketability of existing and proposed collateral; identify and require additional collateral where appropriate to improve Equify's lien position and reduce exposure risk
  • Structure modification terms aligned with the credit risk, borrower capacity, and Equify's yield and security objectives
  • Prepare complete modification and rewrite packages including credit memos, amendment documentation, and collateral support in accordance with credit policy and delegated approval authority
  • Coordinate with Loan Servicing, Legal, Credit and Loan Administration on documentation, UCC considerations, and filing requirements associated with collateral additions or loan restructuring
  • Ensure all modification activity is properly authorized, documented, and compliant with applicable regulatory requirements and internal credit policy
  • This role carries delegated credit authority appropriate to the seniority of the position, with defined escalation paths to the Credit Manager and CCOO; full authority framework provided during the interview process

Customer Communication & Relationship Management
  • Lead customer conversations on modification and restructuring options, translating credit requirements and collateral expectations into clear, accessible terms
  • Handle escalated or complex customer calls referred by the collections team, applying both credit judgment and interpersonal skill
  • Build and maintain a professional, solutions-oriented rapport with borrowers throughout the modification and resolution process
  • Educate customers on Equify's modification process, documentation requirements, and expectations for restructured agreements

Required Education, Experience, and Qualifications:
  • 3+ years of experience in equipment finance, commercial lending, or asset-based lending with direct exposure to collections, loan workouts, or portfolio management
  • Demonstrated credit underwriting experience including the ability to analyze borrower financials, interpret credit reports, evaluate collateral, and structure loan terms
  • Experience managing or supporting accounts across multiple delinquency stages
  • Working knowledge of equipment collateral concepts including residual values, collateral types, lien perfection, and UCC filings
  • Ability to function as a credit resource for other team members while managing a personal portfolio simultaneously
  • Strong verbal communication skills with demonstrated comfort in customer-facing or phone-based roles
  • Proficiency with loan servicing platforms and Microsoft Office Suite
  • Direct experience structuring or underwriting loan modifications, rewrites, or extensions in an equipment finance or commercial lending environment
  • Understanding of yield, pricing, and risk-adjusted return as they relate to loan restructuring decisions
  • Familiarity with loan amendment documentation, collateral agreements, and UCC re-filing requirements
  • Knowledge of FDCPA, CFPB guidelines, and applicable collections regulations
  • Associate's or Bachelor's degree in Finance, Business, or a related field; CLFP designation a plus

Core Competencies:
  • Credit Judgment - evaluates borrower and collateral risk with the confidence to structure sound modifications independently within delegated authority
  • Collateral Awareness - understands equipment value and lien position; knows when and how to require additional collateral to improve Equify's secured position
  • Customer Connection - builds trust with borrowers under financial stress and communicates complex credit requirements in plain, accessible terms
  • Team Resource Orientation - acts as a dependable credit partner to Senior Collection Specialists and the Director of Collections without losing focus on personal portfolio responsibilities
  • Documentation Discipline - ensures every modification is complete, properly authorized, and accurately recorded
  • Adaptability - shifts fluidly between analytical underwriting work and live customer conversations throughout the day
  • Policy Integrity - applies Equify's credit policy consistently and escalates appropriately when authority thresholds are reached

Working Conditions:
  • Prolonged periods sitting at a desk and working on a computer.
  • Must be able to lift 15 pounds at times.
  • Positions self to install equipment, including under desks.
  • Moves throughout the building to access files.
  • Must be able to comprehend and follow written and oral instructions.
  • Must be able to complete tasks even with frequent interruptions.
  • Must be able to use discretion and independent judgment as needed.
  • Must be able to speak clearly on the phone and to fellow workers.

Benefits:
  • Competitive Compensation Package
  • Medical + Dental + Vision Coverage
  • 401K + Company Match
  • Life Insurance + Long Term Disability Coverage - 100% Company Paid
  • Health Savings Account (HSA)
  • Gym Reimbursement Program
  • Tuition Reimbursement Program
  • Wellness Check Program - Insurance Premium Discounts
  • EAP Resources
  • Paid Holidays
  • Paid Time Off (PTO)

This job description should not be interpreted as an exhaustive list of responsibilities or as an employment agreement between the employer and the employee. The above statements are intended to describe the general nature and level of work being performed by employees assigned to this classification and are subject to change as the needs of the employer and requirements of the job change. Any essential functions of this position will be evaluated as necessary should an employee/applicant be unable to perform the functions or requirements due to a disability as defined by the Americans with Disabilities Act (ADA). Reasonable accommodation for the specific disability will be made for the employee/applicant when possible.
I acknowledge that I have read and understand the description of this position and have had the opportunity to ask my supervisor about any points I did not understand. I hereby state that I can perform the essential functions of this position with or without reasonable accommodation.
Wilks Brothers and affiliated companies do not accept unsolicited resumes from recruitment agencies or fee-based recruitment services. Recruitment agencies or recruitment services may contact recruiting@wilksbrothers.com for more information.
#EQUIFYFINANCIAL#LI-ONSITE #LI-MH1
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.

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