Credit Analyst at Security State Bank & Trust

Fredericksburg, Texas, United States -

Full Time

Start Date

Immediate

Expiry Date

29 May, 26

Salary

0.0

Posted On

28 Feb, 26

Experience

0 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Financial Statement Analysis, Cash Flow Analysis, Credit Risk Assessment, Underwriting, Financial Modeling, Risk Rating, Covenant Compliance, GAAP, Excel, nCino, Loan Analysis, Commercial Lending, Analytical Skills, Organizational Skills, Communication Skills

Industry

Banking

Description

Description Company Vision Rooted in the heart of Texas, SSB&T is your dedicated community bank in the Hill Country. We believe in being a trustworthy resource, guided by authentic, actionable values. Our talented team members inherently understand what it means to Care, Do What is Right, and Go Above and Beyond for our customers, community and professional culture. About the Role The Credit Analyst is responsible for independently analyzing and underwriting commercial loan requests, including new originations, renewals, and modifications. The role evaluates borrower financial performance, cash flow capacity, collateral support, and overall credit risk to determine the borrower’s ability to repay in accordance with bank credit policy and regulatory guidelines. The Credit Analyst prepares comprehensive written credit analyses that assess risk, profitability, and structural considerations, and assigns appropriate risk ratings. This position supports the bank’s commercial lending functions. Essential Responsibilities Lead with and model SSB&T’s core values, embedding them into data strategy, governance, and team culture. · Analyze financial statements, tax returns, and related credit information to assess borrower performance, repayment capacity, and overall credit risk. · Conduct credit investigations and evaluate key risks, mitigants, structural considerations, and risk rating recommendations. · Prepare comprehensive commercial credit memoranda and approval packages supported by financial modeling and cash flow analysis on loan relationships up to Executive level approval. · Monitor financial reporting requirements and covenant compliance to support ongoing portfolio risk management. · Ensure credit files remain current, complete, and compliant with internal policy and regulatory guidelines. · Maintain accurate financial spreading and documentation within nCino and Document Manager systems. · Collaborate with loan officers and credit team members to support underwriting standards, workflow efficiency, and timely portfolio management. · Other duties as assigned. Employment Commitments & Physical Requirements · Exempt · Full-time · Monday- Friday 8am-5pm · Community/ volunteer involvement · Focus-intensive position requiring extended periods of sitting and digital navigation. · Occasional walking, standing, and use of office equipment. · Must possess close visual acuity and clear speech for verbal communication. Location & Travel · Position is in Fredericksburg, Texas (Operations 2 Building) · Flexible hybrid opportunity may be available in the future – may relocate to a branch location · Travel may be necessary depending on business needs Requirements Candidate Requirements · 1 year of loan analysis or commercial lending experience required · Ability to adapt to growing business needs and structural changes. Candidate Preferred Qualifications · Bachelor’s degree in Accounting, Finance, or related field preferred. · Strong understanding of Generally Accepted Accounting Principles (GAAP) and financial statement analysis. · Ability to analyze commercial and consumer financial statements and tax returns for individuals and business entities. · Proficiency in Microsoft Excel and Office Suite; experience with nCino and core banking systems (e.g., Horizon) preferred. · Excellent analytical, organizational, and attention-to-detail skills. · Strong written and verbal communication skills, with the ability to present analysis to loan committee and senior leadership. SSB&T Employee Benefits SSB&T offers all eligible full-time employees a robust benefits package. Employees receive benefits to support total health, financial and work life balance. Benefits packages include life insurance, medical, dental, vision, disability, 401K, vacation and sick time. Full time employees will receive 11 paid federal holidays. Compensation We are committed to competitive compensation at SSB&T. By analyzing market data, we establish fair salary ranges. Your pay is determined by your experience, the role's market value, and your geographical location. .

Responsibilities

The Credit Analyst independently analyzes and underwrites commercial loan requests, evaluating borrower performance, collateral, and credit risk to ensure compliance with bank policy. This role involves preparing comprehensive written credit analyses, assigning risk ratings, and supporting the bank’s commercial lending functions.