Benefits:
401(k)
401(k) matching
Dental insurance
Health insurance
Paid time off
Vision insurance
Senior Credit Analyst
Location: Lewisville, TX Schedule: Monday–Friday with occasional Saturdays; flexible schedule typically between 8:00 AM – 5:00 PM Status: Full-Time | Exempt Reports To: Senior Credit Officer
About the Role
Herring Bank is seeking an experienced Senior Credit Analyst to support the Bank’s commercial lending and credit administration functions through advanced underwriting, financial analysis, portfolio monitoring, and risk assessment. This role partners closely with Relationship Managers, Regional Presidents, and Credit Leadership to evaluate lending opportunities, identify risk exposure, and support sound credit decisions aligned with the Bank’s credit culture and strategic goals.
The ideal candidate will bring strong commercial banking and underwriting experience, analytical expertise, and the ability to manage complex credit relationships across a variety of industries.
What You’ll Do
Analyze commercial loan requests through detailed review of financial statements, tax returns, cash flow, collateral, and guarantor support
Prepare comprehensive written credit presentations for lending officers and loan committees
Evaluate and document overall credit risk utilizing the Bank’s underwriting standards and the 5 C’s of Credit
Conduct industry and market research to support lending decisions
Monitor commercial loan portfolios, including covenant tracking, borrowing base analysis, collateral reviews, and periodic financial reporting
Identify potential credit concerns and assist with ongoing portfolio risk management
Support renewals, modifications, and relationship reviews
Partner closely with lending teams to support portfolio quality and commercial lending growth
Assist with appraisal ordering and review processes to ensure regulatory compliance and adequacy
Maintain compliance with Bank policies, procedures, and applicable banking regulations, including BSA responsibilities
Provide mentorship and support to junior credit analysts as needed
What You’ll Bring
Strong commercial credit analysis and underwriting experience
Advanced financial statement, cash flow, and credit structuring knowledge
Ability to analyze complex commercial credit relationships and identify risk exposure
Strong analytical, organizational, and problem-solving skills
Excellent written and verbal communication abilities
Ability to manage multiple priorities in a fast-paced environment
Collaborative mindset with the ability to work effectively across lending and operational teams
Commitment to operational excellence and superior customer service
Qualifications
Bachelor’s degree in Finance, Accounting, Agricultural Economics, or related field preferred; equivalent commercial banking experience considered
Minimum of 5 years of commercial credit analysis and underwriting experience preferred
Working knowledge of commercial lending principles, banking regulations, and credit administration practices
Proficiency in Microsoft Office, including Excel and Word
Ability to pass background and credit screening requirements
Why Join Herring Bank?
We value collaboration, integrity, and exceptional customer service. Herring Bank is committed to supporting employees through professional development opportunities and a team-focused culture dedicated to serving our customers and communities.
Herring Bank is an Equal Opportunity Employer and Member FDIC.