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

This entry-level Credit Analyst role is part of a Commercial Banking Development Program. You will perform hands-on credit analysis while participating in a structured training curriculum designed to prepare you for a long-term career in commercial banking. Work closely with relationship managers, lending leadership, and credit officers to support underwriting and portfolio monitoring.

• Analyze financial statements, historical performance, and projected cash flows to assess borrower creditworthiness.
• Prepare written credit analyses that include borrower and guarantor investigations, market and economic context, and collateral assessment.
• Perform in-depth analysis of secondary repayment sources (collateral) and guarantor positions.
• Monitor covenant compliance and perform periodic covenant testing and renewal risk grading.
• Support loan committee materials and respond to committee inquiries.
• Coordinate third-party appraisal orders and evaluate appraisal data for collateral adequacy.
• Participate in customer meetings and periodic travel for client visits or training as required.
• Maintain awareness of industry and economic trends using borrower conversations, market publications, peer references, and external data sources.
• Complete other duties as assigned in support of lending and portfolio management activities.

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Key Responsibilities

• Financial statement spreading and interpretation across varying accounting quality.
• Writing clear, well-structured credit memoranda and risk assessments.
• Quantitative analysis of cash flows, liquidity, leverage, and covenant metrics.
• Collateral analysis and coordination with third-party vendors.
• Annual risk grading and renewal analysis for assigned credits.
• Presenting findings to loan committees and collaborating with originators to structure credit proposals.

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Qualifications

• Must be eligible to work in the U.S. without sponsorship now or in the future.
• Bachelor’s degree in business, finance, accounting, or related field required; strong preference for Finance or Accounting concentration.
• Prior exposure to financial or credit analysis is preferred (internships, part-time work, campus organizations, or coursework).
• Strong Excel and Microsoft Office skills.
• Excellent verbal, written, and interpersonal communication skills.
• Strong analytical, organizational, time-management, and problem-solving skills; ability to manage multiple deadlines.
• Self-motivated, detail-oriented, and accountable.
• Able to attend initial training in Dallas, TX (~4 weeks) and travel for subsequent training sessions and client meetings as required.

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Location & Travel

• Primary work location: Westover Hills, TX (local/office-based).
• Initial training will be held in Dallas, TX for approximately four weeks; additional travel for training or customer meetings may occur.

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Compensation

• Estimated salary: $70,971 per year (estimated).

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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.