Credit Analyst

Credit AnalystPlainsCapital Bank is seeking motivated individuals to join our Commercial Banking team as a Credit Analyst through our Commercial Banking Development Program, a full-time, post-graduate program beginning in Summer 2027. This entry-level position offers a unique opportunity to gain hands-on experience while participating in an internal development program designed to prepare you for a long-term career in commercial banking. Through the development program, you will receive structured training and career development across key areas of the bank, positioning you for future roles as a relationship manager, portfolio manager, or continued advancement as a credit analyst. Successful participants in the program typically advance within two to three years, making this an ideal opportunity for individuals seeking a dynamic and rewarding career in commercial banking.During the program, participants work as a Credit Analyst and play a critical role in evaluating the financial health and creditworthiness of commercial clients. This position involves analyzing financial statements, assessing risk, and preparing detailed analyses to support sound lending decisions. As a working Credit Analyst, you will collaborate closely with relationship managers, lending leadership, and credit officers to ensure credit proposals align with the bank's risk appetite and regulatory standards.ResponsibilitiesAnalyzes financial statements and performance across varying levels of quality to develop an initial assessment, highlighting strengths and potential risk areas in the borrower's historical operating performance.Prepares written analyses which include: credit investigation of the borrower and guarantors;economic and market conditions impacting the company, its industry, and geographic market;in-depth historical and projected financial and cash flow analysis, including engaging with the borrower's finance team to clarify accounting practices and ensure accurate interpretation;in-depth analysis of the secondary sources of repayment such as collateral;in-depth analysis of a guarantor's financial position;identifies strengths and vulnerabilities in the borrower's financial and operational profile.Maintains a broad understanding of industry and economic trends by gathering and analyzing relevant data from diverse sources—including borrower conversations, market publications, peer bank references, credit agencies, and online research.Attends regular loan committee meetings, serving as a resource for credit analysis insights and responding to inquiries as needed.Participates in customer meetings as requested by officers (may require travel at times).Coordinates the ordering of appraisals and conducts collateral analysis based on appraisal reports provided by third-party vendors. Leverages appraisal data to assess the accuracy and adequacy of collateral values, supporting informed credit decisions and risk management.Periodically reviews loan agreements to monitor covenant compliance, measures covenant performance, and promptly escalates any breaches to the lending team for resolution.Performs annual risk grading of all credit relationships, including renewals, by evaluating financial performance and identifying any deterioration in credit quality. Uses findings to inform loan loss provisioning and support proactive portfolio risk management.Other duties as required.QualificationsMust be eligible to work in the U.S. without sponsorship now or in the futureBachelor's degree in Business related field required. Strong preference for Finance or Accounting major or concentration.Professional experience in financial, credit, or statistical analysis, and/or statement spreading and assessing companies through internships, part-time or full-time work, and/or extracurricular activities preferred.Excellent verbal, written and interpersonal communication skills.Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems.Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment.Must be self-motivated with strong initiative, accountability, and attention to detail.Must be able to attend initial training in Dallas, TX for approximately four weeks (initial training period could change depending on the needs of the program). Travel for subsequent training sessions will also be required throughout the duration of the Banker Development Program with dates and locations to be announced at the time of training.The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company.About UsPlainsCapital Bank was founded in 1988 by a group of young bankers who dreamed of bringing relationship banking to their hometown of Lubbock, Texas. With the acquisition of Plains National Bank, a Lubbock financial institution with one branch and approximately $198.8 million in assets, they began growing the bank one relationship at a time.Over 30 years later, PlainsCapital Bank has held fast to its tried-and-true relationship-based culture and its commitment to financial strength and stability. PlainsCapital Bank ranks sixth among the largest banks headquartered in Texas by deposits and has a statewide presence with approximately 55 locations in markets such as Austin, the Coastal Bend, Dallas, Fort Worth, Houston, Lubbock, the Rio Grande Valley, and San Antonio. Backed by decades of experience, our knowledgeable bankers are renowned for their straightforward approach and for taking exceptional care of their clients. They bring both financial and industry expertise along with vast local market knowledge to each client relationship.PlainsCapital Bank conducts both commercial and consumer banking, providing a full suite of commercial banking products and services to fit any business model and convenient services, personal attention, and account features to help simplify managing personal finances.PlainsCapital Bank continues to remain strong and stable, delivering highly personalized service and a single point of contact to help customers reach their financial goals.To learn more, please visit us online at plainscapital.com/about.