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About the Role

As a Credit Analyst III, you will play a key role in the Bank's commercial credit underwriting process, partnering with lenders and departments across the organization to evaluate complex commercial lending relationships and support sound credit decisions. This full-time, in-person position is based in our downtown Austin office and provides the opportunity to apply your expertise in financial analysis, credit risk assessment, and regulatory compliance while contributing to a collaborative, high-performing Credit team.

Responsibilities

Analyze complex financial information to evaluate the creditworthiness of prospective and existing commercial borrowers, supporting sound lending decisions.
Prepare financial spreads, credit analyses, and presentations for management and senior lending staff, clearly communicating credit risks and recommendations.
Review loan risk ratings, credit packages, and loan structures to ensure compliance with the Bank's Loan Policy, risk rating methodology, and underwriting standards.
Identify credit strengths, weaknesses, and emerging risks, providing independent analysis and recommendations to support quality credit decisions.
Complete annual credit reviews and ongoing portfolio monitoring for assigned lending relationships.
Partner with lenders and other departments to provide timely credit analysis and responsive support throughout the underwriting process.
Maintain effective verbal and written communication while delivering exceptional service to internal and external customers.
Identify opportunities to improve processes, enhance efficiency, and strengthen the Bank's credit underwriting practices.
Other duties as assigned and/or taken on.

Requirements

Bachelor’s degree in accounting, finance, or another related field and 3+ 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.
Demonstrated experience analyzing commercial financial statements, tax returns, cash flow, collateral, and repayment capacity.
Strong understanding of commercial credit underwriting principles, credit policy, and regulatory expectations.
Excellent analytical, written, and verbal communication skills, with the ability to clearly communicate credit recommendations.
Strong organizational, time management, and problem-solving skills with the ability to work independently and manage competing priorities.

Skills

Financial analysis
Credit risk assessment
Regulatory compliance
Commercial credit underwriting
Financial statement analysis
Tax return analysis
Cash flow analysis
Collateral analysis
Repayment capacity analysis
Credit policy understanding
Regulatory expectations understanding
Analytical skills
Written communication skills
Verbal communication skills
Organizational skills
Time management skills
Problem-solving skills
Independent work
Managing competing priorities
CASH Suite or similar commercial credit analysis software experience (Desired)
Community banking experience (Desired)

Location

Downtown Austin, TX

Work Type

Full-time
In-person

Experience Level

3+ years of direct industry experience in commercial credit

Education Level

Bachelor’s degree in accounting, finance, or another related field

Benefits

Health coverage options including Medical, Dental, and Vision
Wellness Program that incentivizes you with premium cost savings
Employee Assistance Program
Basic Group term Life and AD&D
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

About the Company

Horizon Bank has a charter dating back to 1905, with over a century of experience serving Central Texas.
We pride ourselves on creating lifelong customer relationships and business partnerships.
We have a reputation for an unwavering commitment to our teams, our communities, and our customers.
#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.

Equal Opportunity

Horizon Bank recognizes 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.