Credit Analyst III
About the role
Extraco Banks is seeking an experienced and detail-oriented Commercial Analyst III to support the Commercial and CRE lending portfolio. This senior-level role is responsible for complex credit underwriting, portfolio monitoring, and collaboration with Relationship Managers, Portfolio Managers, and Credit Management. The ideal candidate is a strong analytical professional who can balance risk management with growth objectives, serve as a subject matter expert on complex credit relationships, and contribute to maintaining high asset quality while supporting strategic portfolio growth.
What You’ll Do
- Credit Underwriting & Analysis
- Lead underwriting of complex commercial and CRE credits, including financial spreading, cash flow and global analysis, collateral evaluation, and sensitivity analysis
- Portfolio Monitoring & Risk Management
- Monitor covenant compliance and financial reporting requirements; identify breaches or emerging concerns
- Collaboration & Deal Support
- Partner with Relationship Managers and Portfolio Managers on new deals, opportunity memos, and pre-screening discussions
- Operational & Strategic Contributions
- Manage the Credit Inbox and oversee assignment and tracking of incoming analysis requests
- Leadership & Development
- Mentor and coach junior analysts to promote consistency and quality in underwriting
What We’re Looking For
- Required Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, or related field (required)
- Required Skills & Abilities
- Strong financial statement and tax return analysis capabilities
- Training Expectations
- Develop advanced expertise in Extraco credit policies, underwriting standards, and risk rating methodology
Why Extraco?
Extraco Banks is committed to strong credit quality, responsible growth, and employee development. In this role, you’ll work on complex, high-value relationships while contributing to strategic portfolio decisions. You’ll join a collaborative team environment that values expertise, accountability, and continuous improvement—while offering opportunities for career advancement and professional growth.
Work Environment & Physical Requirements
Primarily office-based role with collaboration across internal teams and occasional client interaction
Work Schedule
Monday through Friday, 8:00 a.m. – 5:00 p.m. (in office)
Equal Opportunity Employer
Extraco Banks is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other protected characteristic. We are committed to fostering an inclusive, respectful, and equitable workplace.