TransPecos Banks
  • 22-Jun-2020 to Until Filled (MST)
  • Operations
  • San Antonio, TX, USA
  • $70,000
  • Salary
  • Full Time

SUMMARY: The Senior Credit Analyst analyzes financial statements, tax returns, collateral information, industry conditions, and bank references to evaluate the financial condition and credit risk of both consumer and commercial applicants, including complex commercial credits. 


  • The Sr. Credit Analyst position is responsible for preparing credit memoranda for complex lending relationships in the Commercial and Industrial sector as well as significant real estate investments.
  • Strong ability to analyze data, draw conclusions, solve problems independently and make recommendations/reports and presentations.
  • Clearly communicate progress and/or needs in a timely and precise manner throughout the underwriting process
  • Obtains loan request information from commercial lenders and/or the banks borrowers to analyze credit information, financial statements and other related information pertaining to the loans.
  • Researches background documentation and reviews personal and business financial statements and tax returns. Analyzes financial information and prepares the preliminary credit memo for the lender and Chief Credit Officer.
  • Sr. Credit Analyst is expected to leverage the Lender's and Manager's time by analyzing and underwriting credit requests with little supervision.
  • The Sr. Credit Analyst may be tasked to work closely with junior analysts within his/her lending team to review work and establish priorities and assist in departmental training.
  • Flexibility and willingness to assume responsibilities for projects and tasks assigned by the CO and CCO, i.e Watchlist, stress testing, etc.
  • Coordinate and manage outside support and projects with Bank vendors, i.e. Experian, LexisNexis, Sageworks.
  • Participate in process improvements and automation/enhancements to current activities/tasks.
  • Follow RMA Code of Ethics in all exchanges of credit information with outsiders.
  • Keep abreast of developments in the field through reading and seminars.
  • Carries out responsibilities with professionalism, respect for others, in accordance with the organization's policies and applicable laws.
  • Follow all applicable laws and regulations.
  • Performs other related duties as assigned by management.
  • Adhere to and apply all conditions of the bank's credit policy.
  • Maintain organizational structure necessary to meet department goals and objectives


  • Responsible for assisting in the workflow management of the credit analysts within the department


  • Bachelor's Degree (BA) from four-year college or university in Accounting, Finance, or Business-related field, or five years of related experience and/or training, or equivalent combination of education and experience.
  • 3 5 years bank credit analysis experience, specifically as a Credit Analyst.
  • Strong working knowledge of lending, financial structuring and credit arrangements, and bank products, with sound knowledge of credit and financial analysis, including cash flow analysis, balance sheet analysis, profitability, liquidity, and solvency analysis.
  • Ability to interpret policies and procedures, financial statements, and credit reports with strong analytical skills.
  • Ability to establish credibility/rapport and to communicate and function professionally with all levels of personnel and business partners across the organization.
  • Prior experience with a community bank.
  • Computer skills required: Microsoft Office Suite (especially Excel), Outlook.
  • Excellent customer contact skills; comfortable asking questions/ interviewing customers about their financial situation; strong listening skills.
  • Excellent organizational skills, attention to detail, and the ability to complete assignments in a timely manner.
  • Strong verbal, written, and interpersonal skills, as well as analytic and problem-solving skills.
  • Problem recognition and resolution skills.
  • Ability to work autonomously and within a team.
  • Motivated self-starter and an active learner.
  • Other skills required:
    • Familiarity with SBA underwriting a plus
    • Familiarity with Sageworks a plus
    • Ability to think strategically with a strong attention to detail, standards, and consistency




  • Diversity - Demonstrates knowledge of EEO policy; Shows respect and sensitivity for cultural differences; Educates others on the value of diversity; Promotes a harassment-free environment; Builds a diverse workforce.
  • Ethics - Treats people with respect; Keeps commitments; Inspires the trust of others; Works with integrity and ethically; Upholds organizational values.
  • Adaptability - Adapts to changes in the work environment; Manages competing demands; Changes approach or method to best fit the situation; Able to deal with frequent change, delays, or unexpected events.
  • Analytical - Synthesizes complex or diverse information; Collects and researches data; Uses intuition and experience to complement data; Designs work flows and procedures.
  • Attendance/Punctuality - Is consistently at work and on time; Ensures work responsibilities are covered when absent; Arrives at meetings and appointments on time.
  • Business Acumen - Understands business implications of decisions; Displays orientation to profitability; Demonstrates knowledge of market and competition; Aligns work with strategic goals.
  • Delegation - Delegates work assignments; Matches the responsibility to the person; Gives authority to work independently; Sets expectations and monitors delegated activities; Provides recognition for results.
  • Dependability - Follows instructions, responds to management direction; Takes responsibility for own actions; Keeps commitments; Commits to long hours of work when necessary to reach goals; Completes tasks on time or notifies appropriate person with an alternate plan.
  • Initiative - Volunteers readily; Undertakes self-development activities; Seeks increased responsibilities; Takes independent actions and calculated risks; Looks for and takes advantage of opportunities; Asks for and offers help when needed.
  • Interpersonal Skills - Focuses on solving conflict, not blaming; Maintains confidentiality; Listens to others without interrupting; Keeps emotions under control; Remains open to others' ideas and tries new things.
  • Judgement - Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions.
  • Leadership - Exhibits confidence in self and others; Inspires and motivates others to perform well; Effectively influences actions and opinions of others; Accepts feedback from others; Gives appropriate recognition to others.
  • Managing People - Includes staff in planning, decision-making, facilitating and process improvement; Takes responsibility for subordinates' activities; Makes self available to staff; Provides regular performance feedback; Develops subordinates' skills and encourages growth. Fosters quality focus in others; Improves processes, products and services.; Continually works to improve supervisory skills.
  • Oral Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Demonstrates group presentation skills; Participates in meetings.
  • Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently; Plans for additional resources; Sets goals and objectives; Organizes or schedules other people and their tasks; Develops realistic action plans.
  • Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics.
  • Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibility for own actions; Follows through on commitments.
  • Quality - Demonstrates accuracy and thoroughness; Looks for ways to improve and promote quality; Applies feedback to improve performance; Monitors own work to ensure quality.
  • Quantity - Meets productivity standards; Completes work in timely manner; Strives to increase productivity; Works quickly.
  • Strategic Thinking - Develops strategies to achieve organizational goals; Understands organization's strengths & weaknesses; Analyzes market and competition; Identifies external threats and opportunities; Adapts strategy to changing conditions.
  • Teamwork - Balances team and individual responsibilities; Exhibits objectivity and openness to others' views; Gives and welcomes feedback; Contributes to building a positive team spirit; Puts success of team above own interests; Able to build morale and group commitments to goals and objectives; Supports everyone's efforts to succeed.
  • Technical Skills - Assesses own strengths and weaknesses; Pursues training and development opportunities; Strives to continuously build knowledge and skills; Shares expertise with others.
  • Visionary Leadership - Displays passion and optimism; Inspires respect and trust; Mobilizes others to fulfill the vision; Provides vision and inspiration to peers and subordinates.
  • Written Communication - Writes clearly and informatively; Edits work for spelling and grammar; Varies writing style to meet needs; Presents numerical data effectively; Able to read and interpret written information.



  • The employee is constantly (66%-100%) required to sit, type or write, finger dexterity, see detail and close vision, see beyond arm's length and speak clearly in order to communicate effectively.
  • The employee is frequently (33%-66%) required to bend, stoop or squat, lift up to 20 pounds, and hear clearly in order to communicate effectively.
  • The employee is occasionally (1%-33%) required to stand, walk, push or pull, reach above shoulders, lift up to 50 pounds, and work in confined spaces.
  • The employee is rarely (less than 1%) required to climb stairs, lie down, climb ladders, grasp or grip, drive or operate equipment, work outdoors, exposed to fumes, chemicals, solvents, etc., and exposed to extreme temperatures.


The above is intended to describe the general content of and requirements for the performance of this job.  It is not to be construed as an exhaustive statement of duties, responsibilities or physical requirements.  Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

TransPecos Banks
  • Apply Now

  • * Fields Are Required

    What is your full name?

    How can we contact you?

  • Sign Up For Job Alerts!

  • Share This Page
logo Online Banking Enroll Personal Business Lending Resources About Us