• Senior Credit Analyst

    Job ID
    750 Bering Drive
    # of Openings
    City, State
  • Overview

    Independent Bank provides a wide range of commercial and consumer banking solutions powered by people who value lasting relationships and commitment to community. We are founded on the belief that we have a deep responsibility to solve problems and build healthy communities. Our unique brand of banking is delivered by dedicated employees, who share an honest desire to make a lasting and positive impact. Come join us!


    Responsible for quantitative and qualitative analysis of financial information to assess the risk of offering credit to businesses and individuals.



    • Prepare written credit-approval packages for approval presentation
    • Research, examine, and quantify the degree of credit risk involved in a credit
    • Evaluate customer records and recommended payment plans based on submitted financial data
    • Generate financial ratios, using computer programs, to evaluate a customers’ financial capacity
    • Analyze financial data such as income growth, quality of management and market share of customers
    • Coordinate the preparation of various monthly reports for presentation to senior management
    • Assist with the monitoring of loan performance in the bank’s portfolio
    • Other job related duties as assigned by the Credit Administration Manager.




    • Bachelor’s degree in business related major and at least two accounting courses or relevant experience
    • 2+ years banking credit analyst experience required, formal bank credit training preferred
    • Commercial real estate cash flow analysis experience preferred
    • Proficiency in Microsoft Word and Excel is required
    • Familiar with standard concepts, practices, and procedures within banking
    • Possesses the ability to communicate at a high level both verbally and in writing
    • Motivated self-starter and an active learner.
    • Demonstrate general knowledge of Bank Secrecy Act and OFAC related responsibilities in the performance of daily operations to ensure adherence to bank policies and compliance with all regulatory requirements.



    Our unique brand of banking extends from the Gulf Coast of Texas to the Rocky Mountains. We are an $8 billion dollar community-centric institution providing a wide range of relationship-driven commercial banking products and services tailored to meet the needs of businesses, professional organizations, community groups and entrepreneurs. We also offer a full line of personal financial products and services to make banking easy for busy families and individuals.


    Principled financial decisions ~ Building strong, healthy communities ~ Leading with a courageous heart ~ Resilient Solutions ~ Thriving relationships

    The Bank provides capital and guidance to foster growth, bring new ideas to life, and energize local businesses. We accomplish these goals by funding projects such as medical facilities, warehouse space, and hospitality and education venues. By developing strong relationships and a deep understanding of your industry, our team offers a proactive approach to business banking.

    We continue to be named Best Bank within many of the communities we serve. Recently, Independent Bank was named a Community Bankers Cup winner for the fifth consecutive year; a Top 75 Producing Lender Nationwide; a Top 50 Performer by the Dallas Business Journal; and one of the Healthiest Employers in both North Texas and Central Texas.

    The Bank builds community on two fronts: by helping create economic development and by partnering within the community. It all begins by empowering our employees. We encourage our people to follow their passion and volunteer. And we back that up through formal giving programs.


    To make an impact on the communities we serve through high-performance, purpose-driven banking.

    To be considered for this position, you must at least meet the basic qualifications.


    No phone calls or direct e-mails please.


    Pre-employment background screening will be conducted. Independent Bank is an EEO/AA - M/F/Disability/Protected Veteran Status.


    Note: The job description does not constitute an employment agreement between the employer and employee. The above statements describe the general nature and level of work being performed within this classification. It is not designed to contain or be interpreted as a comprehensive list of all duties, responsibilities, and qualifications required of employees assigned to this job. If you require assistance at any stage of the employment application process due to a disability, please contact Human Resources at 214-544-4777.



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