About the role
Texas Capital is built to help businesses and their leaders. Our depth of knowledge and expertise allows us to bring the best of the big firms at a scale that works for our clients, with highly experienced bankers who truly invest in people’s success — today and tomorrow.
While we are rooted in core financial products, we are differentiated by our approach. Our bankers are seasoned financial experts who possess deep experience across a multitude of industries. Equally important, they bring commitment — investing the time and resources to understand our clients’ immediate needs, identify market opportunities and meet long-term objectives. At Texas Capital, we do more than build business success. We build long-lasting relationships.
Texas Capital provides a variety of benefits to colleagues, including health insurance coverage, wellness program, fertility and family building aids, life and disability insurance, retirement savings plans with a generous 401K match, paid leave programs, paid holidays, and paid time off (PTO).
Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, Texas Capital was recently named Best Regional Bank in 2024 by Bankrate and was named to The Dallas Morning News’ Dallas-Fort Worth metroplex Top Workplaces 2023 and GoBankingRate’s 2023 list of Best Regional Banks. For more information about joining our team, please visit us at www.texascapitalbank.com.
Brief Overview of Position
The Credit Risk Analyst - SBA role is positioned within Credit Administration and reports to the Credit Officer. This role brings experience in core tasks dedicated to the underwriting function, which is integral to the success of each line of business it supports, helping to drive the strategic vision set forth by Texas Capital Bank.
This position will provide support for more senior colleagues in delivering best-in-class client experiences and comprehensive financial solutions to clients across a broad array of industries.
Responsibilities
To be successful in this role, candidates must be able to process large amounts of information, communicating in a clear and concise manner, and develop innovative solutions for our clients, all while maintaining a strong and efficient attention to detail. Depending on alignment, key responsibilities may include, but are not limited to:
- Create financial statement spreads and analyze data
- Participate in the analysis, evaluation, and underwriting of proposed credit facilities for prospects and customers
- Support Portfolio Manager in credit approval process (new customers, modifications, increases, risk assessments)
- Support Portfolio Manager in portfolio reporting and analytics (grade migration, past-dues, exceptions, coming-due, etc.)
- Work with Relationship Managers, Portfolio Managers and Credit Officers to assess credit opportunities, identify key risks, and structure alternatives
- Assist in the preparation of credit packages
- Initiate background checks/credit reports
- Coordinate internal discussions
- Assist in exception tracking, clearing & reporting
- Conduct research on borrowers and industries
- Special projects as needed
Qualifications
- Minimum 2 years of commercial underwriting experience
- Bachelor’s degree in Finance, Accounting, Real Estate, Commercial Banking, or equivalent/relevant program
- Interest in a long-term career in Banking Passion for financial services and delivering superior client experiences.
- Extraordinary levels of motivation and initiative
- Effective team players who want to work in a fast-paced, collaborative environment and build working relationships across the organization
- Exceptional writing, interpersonal and communication skills
- Strong Microsoft Office skills including Outlook, Excel, and PowerPoint to produce reports, memos, and presentations
- Proven leadership skills and community involvement
The duties listed above are the essential functions, or fundamental duties within the job classification. The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy.Texas Capital is an Equal Opportunity Employer.
Aplyr's read
Texas Capital Bank thrives on relationship banking, offering tailored financial services. It's a hub for professionals seeking growth in a dynamic banking environment.
What's promising
- •Strong focus on relationship banking enhances client satisfaction and retention.
- •Recent roles indicate a commitment to innovation and technology integration.
- •Expanding presence in Dallas/Fort Worth highlights regional growth opportunities.
What to watch
- •Highly competitive banking industry may pressure profit margins.
- •Limited public information about diversity and inclusion initiatives.
- •Economic downturns could impact lending and investment services.
Why Texas Capital Bank
- •Specialized roles in AI and risk analytics suggest a tech-forward approach.
- •Emphasis on homebuilder and community finance reflects niche market focus.
- •Offers a blend of traditional banking and innovative financial solutions.
Aplyr’s read is generated by AI from public sources. Was it useful?
About Texas Capital Bank
Texas Capital Bank is a commercial bank that provides a range of financial services to individuals, businesses, and institutions. The bank focuses on relationship banking and offers services such as lending, treasury management, and investment services.
