Senior Credit Analyst

Senior Credit Analyst

Angott Search Group is pleased to partner with a well-capitalized community bank in the search for a Senior Credit Analyst.

This is a senior individual contributor role within the commercial credit team a key position responsible for handling complex commercial credits, partnering directly with lenders, mentoring junior analysts, and supporting leadership coverage when needed. This opportunity offers strong autonomy, direct lender interaction, and the ability to own transactions from underwriting through credit committee presentation.

The ideal candidate will thrive in a collaborative community bank environment where responsiveness, independent thinking, and sound credit judgment are highly valued.

Location: San Antonio, TX (In-Office)

Responsibilities:

• Underwrite commercial loan requests across an approximately 80% CRE / 20% C&I portfolio, with typical deal sizes ranging from $1MM$1.5MM.
• Support a team of commercial lenders managing a high-volume pipeline of active commercial opportunities.
• Spread financial statements, perform global cash flow analysis, and assess risk for new originations, renewals, and annual reviews.
• Prepare comprehensive, decision-ready credit memos for complex underwriting requests, along with concise write-ups for streamlined transactions.
• Present credit analysis and recommendations to senior credit leadership and credit committee.
• Work directly with commercial lenders to clarify deal structure, gather information, and formulate recommendations.
• Assist with onboarding, mentoring, and reviewing the work of junior credit analysts.
• Provide leadership coverage and departmental support when needed.
• Maintain strong underwriting quality while supporting efficient turnaround times and responsive service levels.

Qualifications:

• 5+ years of commercial credit analysis or commercial underwriting experience.
• Current or recent community bank experience strongly preferred.
• Strong commercial real estate underwriting experience, including investor-owned, owner-occupied, construction, or related property types.
• Demonstrated ability to spread financial statements, analyze cash flow, and prepare credit memos suitable for credit committee review.
• Bachelor's degree in Finance, Accounting, Economics, or related field preferred.
• Strong communication skills and confidence interacting directly with commercial lenders and senior leadership.
• Ability and willingness to mentor and review work completed by junior analysts.
• Located in or willing to relocate to the San Antonio area.
• Preferred Experience:
• Experience with Moody's Financial Analyst / CreditLens.
• Familiarity with Jack Henry SilverLake or similar core banking platforms.
• Previous experience serving in a senior analyst or team lead capacity.
• Diverse C&I underwriting experience across multiple industries including healthcare, hospitality, manufacturing, and professional services.