Associate (Tech Lending)

Position Summary

Susser Bank, a rapidly growing Texas regional bank, seeks an Associate to support and expand its Technology Lending platform. The role targets a high-performing early-career professional with experience in investment banking, private credit, or technology-focused commercial banking.

Primary Duties and Responsibilities

• Support Susser Bank’s technology lending opportunities through early engagement with financial sponsors, founders, and management teams.
• Perform comprehensive credit underwriting and due diligence in accordance with Susser Bank credit policy, including analysis of SaaS and recurring-revenue business models.
• Build, review, and sensitize three-statement financial models to assess cash flow durability, leverage capacity, and downside risk scenarios.
• Evaluate borrower valuations using market-based multiples and, where appropriate, discounted cash flow methodologies to support credit decisions.
• Prepare clear, concise, and well-structured credit memoranda and approval packages for Credit Committee and executive review.
• Aid in structuring credit facilities, including leverage, amortization, pricing, and covenant frameworks consistent with Susser Bank risk standards.
• Coverage of loan documentation, covenant packages, and closing requirements with coordination of internal legal counsel and external advisors.
• Coordinate ongoing portfolio management, including financial performance tracking, covenant compliance, annual reviews, and credit monitoring.
• Contribute to the development and maintenance of long-term sponsor and borrower relationships that align with Susser Bank’s relationship-driven banking model.

Education and Experience

• Bachelor’s degree in finance, accounting, economics, or related field required.
• 1–3 years of relevant experience in investment banking, private credit, or commercial banking, with exposure to technology or growth-oriented companies preferred.
• Prior experience underwriting SaaS or recurring-revenue businesses strongly preferred.

Skills and Qualifications

• Strong foundation in credit fundamentals, loan structuring, and underwriting within a regulated banking environment.
• Demonstrated ability to identify key credit risks, mitigants, and structural protections.
• Advanced financial modeling and analytical capabilities.
• High proficiency in Microsoft Excel and PowerPoint; familiarity with PitchBook and S&P Capital IQ preferred.
• Strong organizational skills with the ability to manage multiple priorities and deadlines.
• Clear written and verbal communication skills, including comfort presenting to senior bankers and credit leaders.
• Alignment with Susser Bank’s disciplined credit culture, teamwork orientation, and long-term relationship focus.