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Job Title: Senior Credit Analyst & Special Assets Manager
Reports To: Chief Credit Officer
Prepared Date: 2/20/2026
FLSA Status: Non-Exempt-Full time
Location: Remote (Liberty, Tx)
About the Role
We’re a relationship focused community bank serving Texas businesses and families. We’re seeking a seasoned credit professional who can wear two hats: (1) lead advanced commercial underwriting (C&I / CRE) and portfolio analytics, and (2) oversee and manage special assets/workout problem loan portfolio through resolution. May include but not limited to; structure complex credits, drive portfolio quality, own problem loan strategies (restructures, forbearance, collateral/liquidation), and deliver strong recoveries while partnering with lenders, credit administration, and executive leadership to drive quality growth while reducing risk and delivering borrower first solutions.
What You’ll Do
Underwriting & Portfolio Quality (≈50%)
• Lead end to end underwriting for C&I, CRE, owner occupied CRE, and specialty credits, from initial structure to final approval memo.
• Build robust cash flow models, global debt service analyses, rent rolls, CRE stress scenarios (rate/NOI/value), and guarantor analyses.
• Recommend structures (collateral, covenants, guarantees, pricing) aligned to policy, risk appetite, and market conditions.
• Maintain accurate risk ratings, trend monitoring, and early warning indicators; support quarterly portfolio reviews and concentration reporting.
Special Assets / Problem Loan Management (≈50%)
• Own a portfolio of criticized/classified relationships, developing action plans (forbearance, restructure, pay down, collateral enhancement, exit) with measurable milestones.
• Lead workouts end to end: borrower negotiations, document modifications, appraisal reviews, liquidation paths, and legal strategy with external counsel.
• Manage OREO and collateral disposition to maximize recovery and minimize carrying time.
• Drive timely charge off recommendations, impairment measurement/CECL inputs, and Board/Regulator reporting for adversely graded credits.
• Chair/coordinate Watch List meetings and prepare executive dashboards on trends, recoveries, and upcoming risks.
Risk, Policy & Regulatory
• Ensure adherence to loan policy, appraisal/evaluation standards, flood compliance, BSA/AML red flags, Reg O/W, and fair lending expectations.
• Contribute to policy enhancements, model/stress testing assumptions, and exam/audit responses.
Collaboration & Leadership
• Coach bankers on structure, covenants, and borrower level de risking; elevate credit culture through clear feedback.
• Partner with Loan Ops, Special Assets, and Legal to streamline processes and reduce cycle time.
What You’ll Bring
• 7+ years commercial credit/portfolio experience in banking, including 3+ years leading special assets/workouts; community bank experience strongly preferred.
• Expertise with CRE cash flows, global cash flow, borrowing base facilities, collateral valuations, and legal remedies under Texas law (UCC, foreclosure basics, guaranty enforcement).
• Strong command of risk ratings, criticized/classified management, and regulatory expectations.
• Advanced Excel/financial modeling; familiarity with common core/LOS platforms (e.g., Jack Henry, Fiserv, nCino, or similar).
• Bachelor’s in Finance/Accounting/Economics (MBA, CRC/Credit Risk Certification, or CFA L1 a plus).
• Clear, concise credit writing and confident presentation skills with bankers, leadership, and examiners.
How Success Will Be Measured
• Credit cycle time and underwriting quality (exception rates, rework).
• Reduction in criticized/classified balances and timely resolution against action plan milestones.
• Recoveries vs. plan, time to resolution, and documentation completeness.
• Quality of risk insights provided to leadership and Board.
Work Arrangement & Travel
• Remote out of (your location) with bi-weekly travel to West Houston DPO and Liberty, Tx for loan committee.
• Occasional travel for inspections, counsel meetings, and dispositions.
Compensation & Benefits
• Competitive base salary
• Comprehensive benefits (medical, dental, vision, 401(k) with company match)
Reporting Line
• Reports to Chief Credit Officer with frequent exposure to executive leadership and the Directors Loan Review Committee.
Equal Opportunity
We are an Equal Opportunity Employer and value diversity. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, protected veteran status, or any other legally protected status.
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