Credit Analyst

Job Description

Job Description

Department

Credit

Reports To

Credit Underwriting Manager

FLSA Status

Exempt

Employment

Full-time; flexible hours may be required, including evenings or weekends, to meet customer needs and attend events.

Location

Liberty Hill or Fredericksburg Operations Center 2

Travel

Travel between SSB&T locations and to approved business or community events as business needs require.

Company Vision

Security State Bank & Trust (SSB&T) has proudly served Texas communities since 1941. As a growing community bank, SSB&T is committed to building meaningful relationships, delivering exceptional service, and making a positive impact in the communities served.

Guided by the core values of Care, Do What Is Right, and Go Above and Beyond, SSB&T fosters a culture where team members are empowered to grow, contribute, and make a difference.

About the Role

The Credit Analyst is responsible for analyzing borrower financial information, assessing credit risk, and supporting sound lending decisions through comprehensive financial analysis and underwriting support. Reporting to the Chief Credit Officer, Credit Administration Manager, Senior Credit Analyst, or designated leadership, this role partners with lenders, portfolio managers, and credit administration teams to evaluate commercial, agricultural, commercial real estate, and consumer lending opportunities.

The Credit Analyst contributes to SSB&T's success by providing accurate and timely credit analysis, identifying potential risks, supporting prudent loan growth, and helping maintain strong asset quality while ensuring adherence to the Bank's lending policies and regulatory requirements.

Essential ResponsibilitiesChampion SSB&T’s Core Values

• Demonstrate and uphold SSB&T's core values through professionalism, accountability, collaboration, and sound credit practices.

Credit Analysis & Financial Evaluation

• Analyze commercial, agricultural, consumer, and real estate loan requests through detailed review of financial statements, tax returns, cash flow analyses, collateral documentation, and related financial information.
• Prepare financial spreads, credit analyses, risk assessments, and borrower relationship evaluations to support sound lending decisions.
• Evaluate borrower repayment capacity, liquidity, leverage, profitability, cash flow, and overall financial performance.
• Assess collateral values, guarantor strength, industry conditions, and other risk factors impacting credit quality.
• Develop recommendations regarding credit structure, risk ratings, and overall creditworthiness for management consideration.

Credit Underwriting & Loan Approval Support

• Prepare credit memorandums, loan presentations, and underwriting packages for review by lending officers, credit administration, and loan committees.
• Review loan requests for consistency with Bank lending policies, underwriting standards, and regulatory requirements.
• Analyze loan structures, collateral positions, guarantor support, and covenant requirements to ensure appropriate risk management.
• Assist lenders and credit administration personnel in evaluating complex credit relationships and financing opportunities.
• Recommend appropriate risk mitigation strategies based on borrower financial performance and identified credit risks.

Portfolio Monitoring & Credit Risk Management

• Monitor assigned loan portfolios to identify emerging risks, adverse trends, covenant compliance concerns, and changes in borrower financial condition.
• Review borrower financial statements, borrowing base reports, appraisals, collateral inspections, and periodic reporting requirements.
• Assist with risk rating reviews, annual relationship reviews, and portfolio monitoring activities.
• Identify potential problem loans, policy exceptions, and deteriorating credit conditions and communicate findings to management.
• Support asset quality objectives through ongoing monitoring and proactive risk assessment activities.

Financial Research & Market Analysis

• Conduct industry, market, borrower, and economic research to support credit decisions and risk evaluations.
• Analyze industry trends, competitive environments, and market conditions affecting borrower performance and portfolio risk.
• Research collateral values, public records, business performance indicators, and other sources of information supporting credit analysis.
• Prepare comparative analyses and financial modeling to support lending and portfolio management decisions.
• Provide analytical support for strategic lending initiatives and risk management efforts.

Documentation, Reporting & Administrative Support

• Maintain complete and organized credit files, financial analyses, and supporting documentation in accordance with Bank policies and regulatory requirements.
• Prepare reports, portfolio analyses, risk summaries, and management information supporting credit administration activities.
• Ensure required documentation is accurate, complete, and maintained within designated systems.
• Support loan review activities, audits, examinations, and regulatory requests by providing requested analyses and documentation.
• Maintain accurate records of financial reviews, credit decisions, and portfolio monitoring activities.

Compliance, Quality Assurance & Collaboration

• Ensure credit analysis activities comply with Bank policies, lending procedures, regulatory requirements, and sound banking practices.
• Review financial information and supporting documentation for accuracy, completeness, and consistency with underwriting standards.
• Collaborate with lenders, credit administration, loan operations, appraisal personnel, and other departments to support lending objectives.
• Assist with identifying process improvements that strengthen credit analysis, portfolio monitoring, and operational efficiency.
• Maintain current knowledge of lending regulations, accounting principles, credit risk management practices, and industry trends.

Performance & Accountability

• Maintain accountability for the accuracy, quality, and timeliness of credit analyses, financial reviews, and portfolio monitoring activities.
• Meet established production standards, review timelines, and service expectations while supporting proactive risk management.
• Demonstrate strong analytical skills, attention to detail, sound judgment, professionalism, and accountability in all assigned responsibilities.
• Support the Bank’s lending, credit quality, and risk management objectives through thorough analysis and informed decision-making.

Nothing in this job description restricts SSB&T’s ability to modify, reassign, or supplement the employee's duties and responsibilities at any time, with or without notice.

Candidate Requirements

• High school diploma or GED required.
• 1–3 years of experience in credit analysis, commercial underwriting, loan review, or related commercial lending.
• Understanding of commercial lending, commercial real estate lending, agricultural lending, and credit underwriting concepts.
• Ability to analyze borrower performance and identify credit strengths, weaknesses, and potential risks.
• Strong analytical, quantitative, critical-thinking, and problem-solving skills.
• Proficiency with standard office software and ability to learn core banking platforms
• Ability to work independently while collaborating effectively with lenders, portfolio managers, and credit administration teams.
• Ability to adapt to growing business needs, process changes, and evolving responsibilities.
• Ability to pass a criminal background check and any required pre-employment screening.
• Ability to obtain and maintain any licenses, registrations, or role-specific credentials required by law, regulation, or Bank policy.

Preferred Qualifications

• Bachelor's degree in Finance, Accounting, Economics, Business Administration, Banking, Agricultural Economics, or a related field.
• Strong understanding of Generally Accepted Accounting Principles (GAAP), financial statement analysis, cash flow analysis, and credit risk assessment.
• Ability to analyze commercial and consumer financial statements and tax returns for individuals and business entities.
• Experience reviewing business financial statements, tax returns, personal financial statements, and collateral information.
• Background in reviewing business financial statements, tax returns, personal financial statements, and collateral information.
• Excellent written and verbal communication skills, with the ability to present analysis to loan committee and senior leadership.
• Proficiency in Microsoft Office applications, particularly Excel, Word, Outlook, and PowerPoint; experience with nCino and core banking systems (e.g., Horizon) preferred.
• Ability to interpret financial data and make risk-based recommendations.
• Strong attention to detail and commitment to accuracy.
• Ability to manage multiple priorities and deadlines in a fast-paced environment.
• Experience with financial spreading software, loan origination systems, portfolio management systems, or banking applications preferred.
• Demonstrated professionalism, integrity, sound judgment, and commitment to continuous learning.

Employment Commitments and Physical Requirements

• Regular use of a computer, telephone, and standard office equipment.
• Focus-intensive work requiring extended periods of sitting, standing, customer interaction, data review, and digital navigation.
• Ability to communicate in person, by telephone, and through electronic channels.
• Occasional walking, standing, bending, reaching, lifting of routine office materials, and movement within the branch.
• Ability to travel between SSB&T locations and to approved business or community events as needs require.
• Reasonable accommodations may be made to enable qualified individuals to perform the essential functions.

Compensation

SSB&T is committed to competitive compensation. Pay is determined based on relevant experience, the role’s market value, internal alignment, and geographic location.

Acknowledgment

This job description describes the principal functions of the position and is not intended to be an exhaustive list of all duties. SSB&T may modify, reassign, or supplement duties and responsibilities based on business needs. Employment remains subject to applicable SSB&T policies and procedures.

Security State Bank & Trust is an Equal Opportunity Employer.