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PlainsCapital Bank · 2 hours ago

Credit Analyst – Commercial Banking Development Program

Lubbock, TX

Full-time

Onsite

New Grad, Entry Level

PlainsCapital Bank is seeking motivated individuals to join our Commercial Banking team as a Credit Analyst through our Commercial Banking Development Program. This role offers a unique opportunity to gain hands-on experience while participating in an internal development program designed to prepare you for a long-term career in commercial banking.

BankingFinancial Services

Responsibilities

Analyzes financial statements and performance across varying levels of quality to develop an initial assessment, highlighting strengths and potential risk areas in the borrower’s historical operating performance

Prepares written analyses which include: credit investigation of the borrower and guarantors; economic and market conditions impacting the company, its industry, and geographic market; in-depth historical and projected financial and cash flow analysis, including engaging with the borrower’s finance team to clarify accounting practices and ensure accurate interpretation; in-depth analysis of the secondary sources of repayment such as collateral; in-depth analysis of a guarantor’s financial position; identifies strengths and vulnerabilities in the borrower’s financial and operational profile

Maintains a broad understanding of industry and economic trends by gathering and analyzing relevant data from diverse sources—including borrower conversations, market publications, peer bank references, credit agencies, and online research

Attends regular loan committee meetings, serving as a resource for credit analysis insights and responding to inquiries as needed

Participates in customer meetings as requested by officers (may require travel at times)

Coordinates the ordering of appraisals and conducts collateral analysis based on appraisal reports provided by third-party vendors. Leverages appraisal data to assess the accuracy and adequacy of collateral values, supporting informed credit decisions and risk management

Periodically reviews loan agreements to monitor covenant compliance, measures covenant performance, and promptly escalates any breaches to the lending team for resolution

Performs annual risk grading of all credit relationships, including renewals, by evaluating financial performance and identifying any deterioration in credit quality. Uses findings to inform loan loss provisioning and support proactive portfolio risk management

Other duties as required

Qualification

Financial analysisCredit analysisRisk assessmentMicrosoft OfficeCommunication skillsOrganizational skillsProblem-solving skillsTime managementAttention to detailSelf-motivation

Required

Bachelor's degree in Business related field required. Strong preference for Finance or Accounting major or concentration

Excellent verbal, written and interpersonal communication skills

Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems

Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment

Must be self-motivated with strong initiative, accountability, and attention to detail

Must be able to attend initial training in Dallas, Texas for approximately three weeks (initial training period could change depending on the needs of the program). Travel for subsequent training sessions will also be required throughout the duration of the Commercial Banking Development Program with dates and locations to be announced at the time of training

Preferred

Professional experience in financial, credit, or statistical analysis, and/or statement spreading and assessing companies through internships, part-time or full-time work, and/or extracurricular activities preferred