Job Details

Credit Analyst II

Research shows that individuals from historically underrepresented groups may hesitate to apply for roles unless they meet every listed requirement. If you believe your skills, knowledge, and experience align with the role, even if they don't exactly match the listed qualifications, we encourage you to apply. Your unique talents may be exactly what we're looking for.

Open to anyone residing in Texas.

The Credit Analysis team plays a critical role in maintaining the strength and stability of the bank. Their primary responsibility is to evaluate new commercial and corporate loan requests, ensuring that every decision aligns with sound credit principles and the organization's risk appetite. This team conducts detailed financial analysis, assesses collateral, and applies risk rating methodologies to provide a clear, objective view of each opportunity. By doing so, they help balance growth with prudent risk managementprotecting the bank while enabling clients to achieve their goals. The team works closely with Relationship Managers and senior leadership, offering insights that guide strategic lending decisions. In short, they are the gatekeepers of credit quality, and their expertise directly impacts the health of our portfolio and the long-term success of the business.

Credit Analyst II takes on a broader scope of responsibility, underwriting moderately complex commercial loans with limited supervision. This role manages the full credit analysis process for new loan requests, including detailed financial statement review, credit bureau analysis, and preparation of underwriting narratives. Analysts also run industry-specific reports and review third-party valuations to support risk assessment. By delivering accurate and timely analysis, Credit Analyst II helps ensure that lending decisions align with both client needs and the bank's risk standards, playing a key role in maintaining credit quality and supporting business growth.

Essential Duties And Responsibilities

1. Manage end-to-end underwriting workflow in Abrigo Sageworks for assigned deals.
2. Conduct business and personal credit bureau searches and interpret results.
3. Spread and analyze financial statements; adjust auto-spread outputs as needed.
4. Complete underwriting analysis including cash flow, collateral, and narrative preparation.
5. Run industry-specific reports (Vertical IQ or CoStar) for loan analysis.
6. Document and resolve policy exceptions; communicate with Relationship Managers.
7. Update risk rating scorecards based on modified terms or new information.
8. Perform UCC searches and confirm lien positions.
9. Pull environmental reports and add conditions when required.
10. Review third-party business valuations and document compliance status.
11. Compliance with any and all BSA/AML/CFT and Sanctions requirements set forth by Bank Policy and Procedure, including but not limited to timely completion of assigned training.

Secondary Duties

The position performs duties specific to the position and other functions as assigned by management.

Supervisory Responsibility

This position is not responsible for the supervision of staff.

Environment And Physical Activity

The incumbent is in a non-confined office setting in which they are free to move about at will. In the course of performing the duties and responsibilities of this position spends time writing, speaking, listening, lifting (up to 25 pounds), sitting, typing on a computer keyboard, and standing, kneeling and reaching.

The incumbent for this position may operate any or all of the following: telephone, copy and fax machine, adding machine, computer and related printers.

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential function of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The incumbent in this position must be able to read documents or instruments, detailed work, problem solving, customer contact, reasoning, math, verbal and written communication, analytical reasoning, multiple tasks with constant interruptions.

Minimum Requirements

These specifications are guidelines based on the minimum experience required to perform the essential functions of the job. Individual abilities may result in some deviation from these guidelines:

• Bachelor's degree in finance, accounting, economics, or related field.
• 24 years in credit analysis or commercial underwriting.
• Solid understanding of credit risk assessment and financial analysis.
• Proficiency in Abrigo Sageworks and integrated tools (FICO SBSS, Equifax).
• Ability to interpret industry reports and apply findings to underwriting.
• Strong analytical and problem-solving skills.
• Effective time management and prioritization.
• Clear written and verbal communication for credit narratives.

Stellar Benefits:

We believe that empowering people goes far beyond the workplace. That's why we've designed our benefits to help foster your health and prosperity, so you can best support yourself, your loved ones and your communities

• Health Care Coverage, no waiting period
• Dental/Vision
• STD/LTD
• Annual Performance Bonus Eligible
• 401K with company match
• Paid Vacation
• Volunteer days
• Travel Stipend
• Tuition Assistance
• And More

What It Means To Be Stellar:

Stellar Bank came to be in 2023, when Allegiance Bank and CommunityBank of Texas joined forces. What emerged was a financial institution like no other. Stellar bankers set the standard for responsive, relationship-based community banking. We have the resources, dedication and personal focus to out-bank the big banks and out-service the small banks. Our customers see us as a vital part of the team. We are their financial experts who go above and beyond to help them form a plan and get it done

Join Stellar Bank and, yes, you'll be providing outstanding banking. But you'll be achieving something much greater. At Stellar, we empower people to thrive. This is our purpose. This would be your purpose. Here you'd be part of a supportive culture where relationships bond, individuals grow, communities prosper and careers flourish. You can make a difference at Stellar for yourself and for everyone around you.

Stellar Bank does not discriminate on the basis of race, color, religion, national origin, sex, disability, familial status or any other characteristic protected by applicable federal, state, or local laws, regulations and ordinances.