Senior Credit Analyst

First National Bank Texas seeks a Senior Credit Analyst to evaluate and manage credit risk across consumer and commercial loan portfolios. In this role, you will analyze financial statements, tax returns, cash flows, and collateral to assess creditworthiness and recommend sound loan structures. You will prepare clear credit memos, assign risk ratings, and monitor portfolio performance to identify trends and emerging risks. Partnering closely with lenders in a customer-focused, community banking environment, you will help balance prudent risk management with responsive, relationship-driven service. This position offers growth in advanced credit analysis and community banking leadership.