Senior Credit Analyst
Apply NowCompany: Horizon Bank
Location: Austin, TX 78745
Description:
POSITION SUMMARY
Are you a skilled credit professional looking to take the next step in your career? As a Senior Credit Analyst, you'll play a vital role on our Credit Team, working closely with departments across the organization to strengthen our credit underwriting program. This in-person position, based in our downtown Austin office (600 West 5th Street), offers the opportunity to apply your expertise in financial analysis, credit risk assessment, and regulatory navigation while collaborating with lending teams to support sound credit decisions. The ideal candidate is detail-oriented, analytical, and a strong critical thinker - someone who thrives in a fast-paced environment and enjoys problem-solving.
If you're ready to make an impact and grow your career in commercial lending, we'd love to hear from you!
WHY HORIZON?
We're not just your ordinary bank - we have something special here at Horizon. Our charter dates back to 1905, giving us over a century of experience serving Central Texas. We pride ourselves on creating lifelong customer relationships and business partnerships and have a reputation for an unwavering commitment to our teams, our communities, and our customers.
Thanks to our diverse, energetic team, Horizon continues to grow and succeed:
We're proud of where our teams have gotten us and can't wait to see where you will take us next!
WHAT WILL I DO?
Key highlights:
AM I THE RIGHT FIT?
We are searching for professionals who have had proven success in their past careers, are self-motivated, and have a great attitude to join our team.
Specific requirements include:
Desired qualifications:
WHAT DOES IT MEAN TO BE ON THE HORIZON TEAM?
Our commitment to our employees goes beyond base pay-it includes the tangible things like salary, benefits, and special employee programs such as training & development, wellness, and flexible sick time. Equally important are the intangible factors like challenging work, a community focused mindset, and the opportunity to grow professionally. We do not hire resources; we invest in people.
Benefits available to you include:
INTERESTED?
This is a great opportunity to join a successful and growing organization. If you think that you could be the perfect fit, please apply now. Submit your resume and contact information for consideration.
Good luck and we look forward to hearing from you!
At Horizon Bank, we recognize that diverse perspectives and experiences drive innovation and success. We operate within a merit-based framework that fosters inclusivity and belonging, ensuring all individuals have the opportunity to contribute, develop, and thrive. We seek talented, qualified individuals for all career opportunities, without regard to any status protected under federal, state, or local law. Horizon Bank is proud to be an Equal Employment Opportunity Employer.
Are you a skilled credit professional looking to take the next step in your career? As a Senior Credit Analyst, you'll play a vital role on our Credit Team, working closely with departments across the organization to strengthen our credit underwriting program. This in-person position, based in our downtown Austin office (600 West 5th Street), offers the opportunity to apply your expertise in financial analysis, credit risk assessment, and regulatory navigation while collaborating with lending teams to support sound credit decisions. The ideal candidate is detail-oriented, analytical, and a strong critical thinker - someone who thrives in a fast-paced environment and enjoys problem-solving.
If you're ready to make an impact and grow your career in commercial lending, we'd love to hear from you!
WHY HORIZON?
We're not just your ordinary bank - we have something special here at Horizon. Our charter dates back to 1905, giving us over a century of experience serving Central Texas. We pride ourselves on creating lifelong customer relationships and business partnerships and have a reputation for an unwavering commitment to our teams, our communities, and our customers.
Thanks to our diverse, energetic team, Horizon continues to grow and succeed:
- #1 locally owned bank according to Austin Business Journal 2020 Power Rankings.
- Top 40 community banks nationwide by S&P Global Market Intelligence.
- 2024 top 10 community bank according to American Bankers Association.
- 2020 & 2021 Thriving Together recipient for outstanding company Wellness Program. Learn more about our benefit package below!
We're proud of where our teams have gotten us and can't wait to see where you will take us next!
WHAT WILL I DO?
Key highlights:
- Analyze and assess financial data to evaluate the creditworthiness of new and existing customers, ensuring sound lending decisions.
- Prepare and present financial spreads and credit analyses to managers and senior leadership, providing clear insights that support strategic decision-making.
- Ensure risk integrity by reviewing loan risk ratings against the Bank's policies, identifying discrepancies, and recommending adjustments as needed.
- Evaluate credit packages for policy compliance, structural soundness, and potential credit weaknesses, proactively addressing risks.
- Conduct annual credit reviews to confirm compliance with loan policy and maintain accurate risk assessments.
- Deliver outstanding service by providing clear, professional support to both internal teams and customers through phone, written, and in-person communication.
- Take the initiative by proactively identifying opportunities for process improvements and contributing to the team's overall success.
- Other duties as assigned and/or taken on.
AM I THE RIGHT FIT?
We are searching for professionals who have had proven success in their past careers, are self-motivated, and have a great attitude to join our team.
Specific requirements include:
- Minimum: Bachelor's degree in accounting, finance, or another related field and 2+ years of direct industry experience in commercial credit, especially commercial real estate & banking C&I; or the equivalent combination of education and experience, which demonstrates the knowledge, skills, and abilities to perform the job duties of this position.
- Experience in financial statement and tax return analysis.
- Excellent communication and customer service skills.
- Possess problem-solving capabilities, ability to work independently, and excellent organization and time management skills.
- Understanding of credit policy and procedures.
Desired qualifications:
- Experience with CASH Suite Software.
WHAT DOES IT MEAN TO BE ON THE HORIZON TEAM?
Our commitment to our employees goes beyond base pay-it includes the tangible things like salary, benefits, and special employee programs such as training & development, wellness, and flexible sick time. Equally important are the intangible factors like challenging work, a community focused mindset, and the opportunity to grow professionally. We do not hire resources; we invest in people.
Benefits available to you include:
- Health coverage options including Medical, Dental, and Vision
- Wellness Program that incentivizes you with premium cost savings
- Employee Assistance Program to help you with life's challenges
- Basic Group term Life and AD&D to protect you and your family
- The opportunity to become a shareholder of the Bank through our 401k Retirement Plan
- Discounts on Pet Insurance
- Time off policies meant to support your work-life balance
INTERESTED?
This is a great opportunity to join a successful and growing organization. If you think that you could be the perfect fit, please apply now. Submit your resume and contact information for consideration.
Good luck and we look forward to hearing from you!
At Horizon Bank, we recognize that diverse perspectives and experiences drive innovation and success. We operate within a merit-based framework that fosters inclusivity and belonging, ensuring all individuals have the opportunity to contribute, develop, and thrive. We seek talented, qualified individuals for all career opportunities, without regard to any status protected under federal, state, or local law. Horizon Bank is proud to be an Equal Employment Opportunity Employer.