Credit Analyst

Career Details

Full-Time Wichita Falls, Texas Posted on 4/16/2026

Department: Lending / Credit Administration
 
POSITION SUMMARY:
The Credit Analyst is responsible for analyzing financial information, assessing creditworthiness, and supporting loan underwriting decisions to ensure safe, sound, and compliant lending practices. This position plays a critical role in maintaining the bank’s asset quality, regulatory compliance, and adherence to internal credit policies and procedures.
 
ESSENTIAL DUTIES & RESPPONSIBILITIES:
- Analyze personal and business financial statements, tax returns, cash flow statements, a supporting documentation.
- Prepare written credit memorandums including risk assessment, repayment sources, and loan structure recommendations.
- Evaluate borrower creditworthiness using the 5 C’s of Credit.
- Conduct ratio, trend, and cash flow analysis.
- Review credit reports and identify credit risks or inconsistencies.
- Order and review appraisal reports and, when necessary, complete internal evaluations in      accordance with applicable regulatory guidelines.
- Ensure loan files are complete, accurate, and compliant with bank policy and regulatory requirements.
- Monitor loan portfolios for covenant compliance, financial reporting, and credit quality.
- Identify early warning signs of deteriorating credit and escalate concerns to management.
- Assist with loan reviews, internal audits, and regulatory examinations.
- Always maintain confidentiality of customer and bank information.
- Perform other duties as assigned.
QUALIFICATIONS:
- Bachelor’s degree in Finance, Accounting, Business, Economics, or related field required.
- One to five years of credit analysis or lending experience preferred.
- Strong knowledge of financial statement analysis and underwriting principles.
- Excellent written, verbal, and analytical skills.
- Ability to exercise sound judgment and work independently.
- Technical abilities, specifically in using specialized tools to build comprehensive credit packages.
 
PHYSICAL DEMANDS:
- Physical requirements include the ability to lift and carry up to fifty pounds at least two times per day.
- Job pressures are high for meeting deadlines, frequent interruptions, and high level of telephone activity.
- Overtime may be required during periods of high workload or increased volume.
- Mental ability required is high for reasoning, remembering, reading, writing, and speaking.
In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals.  However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.

FLSA CLASSIFICATION:  Non-Exempt