About Careertakes

👉 Important disclosure: Careertakes is a third-party recruiting platform supporting this hiring process. If selected, you will be employed directly by our client, Accounting & Finance.

Applicants for this role may also receive access to additional matched opportunities through the Careertakes platform.

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What You’ll Do

Confidential Client is hiring an entry-level Credit Analyst to join a Commercial Banking Banker Development Program. This role provides structured training and on-the-job experience analyzing commercial borrowers to support lending decisions and build a long-term career in commercial banking.

• Support credit decision-making by analyzing financial statements, cash flows, collateral and guarantor strength
• Prepare clear, written credit analyses and credit investigation materials
• Assess industry, economic and geographic market factors that impact borrower risk
• Participate in loan committee meetings and present analysis as needed
• Assist with monitoring loan covenants, annual risk grading, and covenant compliance reviews
• Coordinate third-party appraisals and perform collateral analysis
• Join customer meetings and training sessions (travel required at times)
• Take on other duties to support the lending team and portfolio management

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Responsibilities

• Analyze historical and projected financial statements to identify strengths and risk areas
• Perform statement spreading, cash flow analysis and secondary repayment (collateral) evaluation
• Conduct credit investigations on borrowers and guarantors
• Monitor industry and macroeconomic trends and gather research from multiple sources
• Prepare and present written credit packages that support lending recommendations
• Track covenant compliance, escalate issues, and support portfolio risk management
• Participate in borrower and internal meetings; attend training and travel as required

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Qualifications

• Eligible to work in the U.S. without sponsorship now or in the future
• Bachelor’s degree in Business, Finance, Accounting, or related field (strong preference for Finance or Accounting)
• Internship, coursework, or work experience in financial, credit, or statistical analysis preferred
• Strong analytical, time-management, organizational and problem-solving skills
• Excellent verbal and written communication skills
• Proficient with Microsoft Office (Excel required) and comfortable learning custom systems
• Self-motivated with strong initiative, accountability and attention to detail
• Able to attend an initial training session in Dallas, TX (approximately four weeks) and travel for additional training during the program

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Compensation & Location

• Location: Mcallen, TX (role supports Confidential Client’s Commercial Banking team)
• Estimated salary (as listed by source): $58,569 per year — actual pay may vary based on experience and location
• Employment type: Full-time
• This role is part of a structured Banker Development Program designed to accelerate career progression into relationship manager, portfolio manager or senior credit roles within ~2–3 years for successful participants

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Equal Opportunity & Hiring Transparency

Careertakes and our client are Equal Opportunity Employers committed to building a diverse and inclusive workforce. We prohibit discrimination or harassment of any kind. To support a fair and efficient hiring process, AI tools may be used to assist with application review or resume screening. These tools do not replace human decision-making. Final hiring decisions are made by people.

If you have questions about how your data is used, please contact us directly.