Bounty Hunter World
The Senior Credit Officer will serve as a key member of the credit administration team, responsible for complex credit analysis, loan structuring, and credit risk assessment for middle market commercial relationships. This role reports to the Chief Credit Officer and plays a critical role in supporting the bank's commercial lending growth while maintaining sound underwriting standards.
Key Responsibilities
Credit Analysis & Underwriting
Conduct comprehensive financial analysis and risk assessment for commercial loan requests up to $25 million
Structure complex commercial loans including term loans, lines of credit, and real estate financing
Prepare detailed credit memoranda and recommendations for senior management and loan committee
Perform industry analysis and assess borrower market position and competitive dynamics
Review and approve loan modifications, renewals, and workout arrangements within delegated authority
Portfolio Management
Monitor assigned commercial loan portfolio for early warning signs and credit deterioration
Conduct annual reviews and risk rating updates for commercial relationships
Collaborate with relationship managers to structure deals that meet client needs while mitigating risk
Participate in loan committee meetings and present credit recommendations
Oversee junior credit analysts and provide training on underwriting standards
Documentation & Compliance
Ensure loan documentation complies with bank policies and regulatory requirements
Review loan agreements, guarantees, and collateral documentation for accuracy and completeness
Coordinate with legal counsel on complex documentation issues
Maintain current knowledge of lending regulations and industry best practices
Support regulatory examinations and internal audit reviews
Relationship Support
Work closely with commercial relationship managers to develop creative financing solutions
Participate in client meetings and due diligence site visits as needed
Provide timely responses to credit requests to support business development efforts
Assist in developing and maintaining key commercial banking relationships
Required Qualifications
Education & Experience
Bachelor's degree in Finance, Accounting, Economics, or related field
Minimum 8-12 years of commercial banking or credit analysis experience
At least 5 years in progressively responsible credit roles
Experience with middle market commercial lending ($5-100 million deal size)
Previous exposure to diverse industries including manufacturing, services, and commercial real estate
Technical Skills
Advanced financial statement analysis and cash flow modeling capabilities
Proficiency in loan structuring and pricing methodologies
Knowledge of commercial loan documentation and collateral requirements
Experience with credit risk rating systems and portfolio management tools
Strong understanding of banking regulations affecting commercial lending
Proficiency in Microsoft Excel, Word, and banking software platforms
Analytical Competencies
Ability to analyze complex financial statements and tax returns
Strong understanding of industry trends and economic factors affecting borrowers
Experience with cash flow projections and debt service coverage analysis
Knowledge of commercial real estate valuation and appraisal review
Understanding of equipment financing and asset-based lending structures
Qualifications
MBA or advanced degree in finance-related field
Professional certifications such as CFA, CPA, or RMA Credit Risk Certification
Experience with SBA lending programs and government guaranteed loans
Knowledge of syndicated lending and loan participations
Previous experience with banks having $3-100 billion in assets
Familiarity with Texas commercial markets and regional industries
Authority Levels
Individual approval authority for new credits
Renewal and modification authority within policy guidelines
Participation in loan committee decisions for larger credit facilities
Authority to adjust risk ratings and place loans on watch status
Career Progression
This position provides a clear path for advancement to Chief Credit Officer, Deputy Chief Credit Officer, or senior commercial lending management roles. The bank supports professional development through industry training, conference attendance, and internal leadership development programs.
Bounty Hunter World
Key Responsibilities
Credit Analysis & Underwriting
Conduct comprehensive financial analysis and risk assessment for commercial loan requests up to $25 million
Structure complex commercial loans including term loans, lines of credit, and real estate financing
Prepare detailed credit memoranda and recommendations for senior management and loan committee
Perform industry analysis and assess borrower market position and competitive dynamics
Review and approve loan modifications, renewals, and workout arrangements within delegated authority
Portfolio Management
Monitor assigned commercial loan portfolio for early warning signs and credit deterioration
Conduct annual reviews and risk rating updates for commercial relationships
Collaborate with relationship managers to structure deals that meet client needs while mitigating risk
Participate in loan committee meetings and present credit recommendations
Oversee junior credit analysts and provide training on underwriting standards
Documentation & Compliance
Ensure loan documentation complies with bank policies and regulatory requirements
Review loan agreements, guarantees, and collateral documentation for accuracy and completeness
Coordinate with legal counsel on complex documentation issues
Maintain current knowledge of lending regulations and industry best practices
Support regulatory examinations and internal audit reviews
Relationship Support
Work closely with commercial relationship managers to develop creative financing solutions
Participate in client meetings and due diligence site visits as needed
Provide timely responses to credit requests to support business development efforts
Assist in developing and maintaining key commercial banking relationships
Required Qualifications
Education & Experience
Bachelor's degree in Finance, Accounting, Economics, or related field
Minimum 8-12 years of commercial banking or credit analysis experience
At least 5 years in progressively responsible credit roles
Experience with middle market commercial lending ($5-100 million deal size)
Previous exposure to diverse industries including manufacturing, services, and commercial real estate
Technical Skills
Advanced financial statement analysis and cash flow modeling capabilities
Proficiency in loan structuring and pricing methodologies
Knowledge of commercial loan documentation and collateral requirements
Experience with credit risk rating systems and portfolio management tools
Strong understanding of banking regulations affecting commercial lending
Proficiency in Microsoft Excel, Word, and banking software platforms
Analytical Competencies
Ability to analyze complex financial statements and tax returns
Strong understanding of industry trends and economic factors affecting borrowers
Experience with cash flow projections and debt service coverage analysis
Knowledge of commercial real estate valuation and appraisal review
Understanding of equipment financing and asset-based lending structures
Qualifications
MBA or advanced degree in finance-related field
Professional certifications such as CFA, CPA, or RMA Credit Risk Certification
Experience with SBA lending programs and government guaranteed loans
Knowledge of syndicated lending and loan participations
Previous experience with banks having $3-100 billion in assets
Familiarity with Texas commercial markets and regional industries
Authority Levels
Individual approval authority for new credits
Renewal and modification authority within policy guidelines
Participation in loan committee decisions for larger credit facilities
Authority to adjust risk ratings and place loans on watch status
Career Progression
This position provides a clear path for advancement to Chief Credit Officer, Deputy Chief Credit Officer, or senior commercial lending management roles. The bank supports professional development through industry training, conference attendance, and internal leadership development programs.
Bounty Hunter World