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About the Role
The Associate Credit Officer is integral to Credit Administration, supporting Middle Market lines of business and driving Texas Capital Bank's strategic vision. This role maximizes portfolio performance, oversees Portfolio Managers, monitors portfolio quality, and recommends credit facility adjustments. The officer ensures efficient follow-up, spearheads best-in-class customer service processes, and acts as an internal consultant and liaison between Credit and the Line of Business.
Responsibilities
- Ensure all due diligence and background evaluation is complete before credit approval.
- Administer corporate loan policies, programs, objectives, and goals effectively.
- Own post-approval modifications to ensure accurate credit exposure reporting.
- Oversee and analyze macroeconomic conditions, industry trends, and lending practice changes.
- Own portfolio reporting and analytics, including grade-migration, past-dues, exceptions, and coming-due maturities.
- Oversee credit-related responsibilities for Credit Risk Analysts and Associates, including financial statement spreading and underwriting model validation.
- Own all credit approvals (new customers, modifications, renewals, increases, risk assessments).
- Identify key risks and issues pertinent to each credit request, including potential mitigants.
- Lead and/or support key initiatives to improve credit solution delivery for clients and prospects.
- Assure the integrity of individual approved credits and the assigned portfolio.
- Responsible for risk rating assessment and periodic relationship reviews.
- Partner with Relationship Manager in credit agreement review and negotiation.
- Validate covenant compliance and covenant management, when applicable.
- Direct and manage portfolio review, when applicable.
- Work with and mentor the underwriting team.
- Own policy exception identification.
- Identify cross-sell opportunities.
- Assess risk ratings.
- Partner with Special Assets Group for credit requests as needed.
- Perform other duties as needed.
Requirements
- Minimum of ten years of experience in a credit-related role.
- High level of interpersonal skills to communicate policies, procedures, and objectives effectively.
- Ability to cultivate working relationships with bankers and clients.
- High level of analytical skill to assess and manage areas of responsibility.
- Ability to determine credit risk and make final approval decisions.
- Understanding of all Bank products and services.
- Thorough knowledge of commercial loans, principles, policies, and practices.
- Thorough knowledge of financial statement analysis and Petroleum Engineering evaluations.
- Knowledge of current lending laws and regulations.
Skills
- Interpersonal skills
- Communication skills
- Analytical skills
- Microsoft Excel proficiency
- Microsoft Word proficiency
- Written communication skills
- Bank products and services knowledge
- Commercial loan knowledge
- Financial statement analysis
- Petroleum Engineering evaluations
- Lending laws and regulations knowledge
Location
- Dallas
- Austin
- Fort Worth
- Houston
- Richardson
- Plano
- San Antonio
Experience Level
- Minimum of ten years of experience in a credit-related role
Education Level
- Bachelor’s degree
- MBA preferred
- Formal credit training program preferred
Benefits
- Health insurance coverage
- Wellness program
- Fertility and family building aids
- Life insurance
- Disability insurance
- Retirement savings plans with a generous 401K match
- Paid leave programs
- Paid holidays
- Paid time off (PTO)
About the Company
- Texas Capital helps businesses and leaders with deep knowledge and expertise.
- Offers big firm benefits at a client-focused scale with experienced bankers.
- Bankers invest in client success, understanding needs, identifying opportunities, and meeting objectives.
- Rooted in core financial products, differentiated by approach.
- Builds long-lasting relationships beyond business success.
- Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano, and San Antonio.
- Named Best Regional Bank in 2024 by Bankrate.
- Recognized as a Top Workplace 2023 by The Dallas Morning News’ Dallas-Fort Worth metroplex.
- Included in GoBankingRate’s 2023 list of Best Regional Banks.
- Named #1 most trusted bank in the country on Newsweek’s inaugural list of America’s Most Trusted Companies.
Equal Opportunity
- Texas Capital is an Equal Opportunity Employer.