Credit Risk Analyst Jobs in San Marcos, TX (NOW HIRING)

Associate Credit Officer (ACO) is positioned within Credit Administration and is integral to the success of each line of business it supports, helping to drive the strategic vision set forth by Texas Capital Bank.

This position will support the Middle Market line of businesses within the bank. The Associate Credit Officer is responsible for maximizing portfolio performance and providing oversight for the Portfolio Managers leading deals from opportunity to close. Responsibilities include monitoring the portfolio quality against established criteria and recommending adjustments to existing credit facilities as appropriate. The Associate Credit Officer provides efficient follow-up and spearheads processes to ensure best-in-class Customer Service while serving as an internal consultant and liaison between Credit and the Line of Business.

To be successful in this role, candidates must be able to process large amounts of information, communicating in a clear and concise manner, and develop innovative solutions for our clients, all while maintaining a strong and efficient attention to detail. Key responsibilities include, but are not limited to:

• Ensures all due diligence and background evaluation is complete before credit approval is granted.
• Ensures the effective administration of the corporate loan policies, programs, objectives and goals as they pertain to the Bank
• Ownership of post-approval modifications to ensure accurate reporting of credit exposure
• Oversight and in-depth analysis of macroeconomic conditions, industry trends and changes in lending practices
• Ownership of portfolio reporting and analytics: grade-migration, past-dues, exceptions, coming-due maturities, etc.
• Oversight of credit related responsibilities for the Credit Risk Analysts and Associates, including financial statement spreading and validation of various underwriting models
• Ownership of all credit approvals (new customers, modifications, renewals, increases, risk assessments)
• Identification of key risks and issues pertinent to each credit request, including potential mitigants for identified risks
• Lead and/or support key initiatives to drive improvements in the delivery of credit solutions for clients and prospects
• Assures the integrity of individual credits approved as well as the assigned portfolio.
• Responsible for risk rating assessment and periodic relationship reviews
• Partner with Relationship Manager in credit agreement review and negotiation
• Validate covenant compliance and covenant management, when applicable
• Direct and manage portfolio review, when applicable
• Works with and mentors underwriting team.
• Ownership of policy exception identification
• Identify cross-sell opportunities
• Assesses risk ratings.
• Partner with Special Assets Group for credit requests (as needed)
• May perform other duties as needed.

• A minimum of ten (10) years of experience in a credit related role
• Bachelor's degree; MBA preferred.
• Completion of a formal credit training program preferred.
• Prior experience as a commercial lender preferred.
• A high level of interpersonal skills to communicate policies, procedures and objectives effectively throughout the Bank and to cultivate working relationships with bankers and clients.
• A high level of analytical skill to assess and manage areas of responsibility including determination of credit risk involved and making final approval decisions.
• Proficient with Excel and Microsoft Word.
• Strong written communications skills.
• Understanding of all Bank products and services.
• Thorough knowledge of commercial loans, principles, policies, and practices.
• Thorough knowledge of financial statement analysis and Petroleum Engineering evaluations.
• Knowledge of current lending laws and regulations.

The duties listed above are the essential functions, or fundamental duties within the job classification. The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy.Texas Capital is an Equal Opportunity Employer.