Credit Analyst Jobs in Texas
Credit Analyst jobs in Texas are consistently in demand, with active hiring across banking, commercial real estate, corporate finance, and energy lending from entry-level associates through senior credit officers. Houston, Dallas, and San Antonio anchor most of the hiring, with major employers like JPMorgan Chase, Frost Bank, and Comerica running established credit functions across the state. The most sought-after specialties in Texas are commercial credit, energy sector lending, and consumer risk analytics. Find a role that fits below and apply directly.
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Showing 5 of 82+ Credit Analyst jobs
Why Broadway Bank:
We are one of the largest independently owned banks in Texas with offerings in personal and private banking, wealth management, business banking and mortgage lending.
Position Overview:
The Commercial Credit Analyst and CRE Loan Closer is responsible for conducting credit investigations, spreading and analyzing borrower and guarantor financial information, preparing cash flow analyses, and assisting with the underwriting of routine commercial credit requests. Operating under close supervision, the position compiles and presents credit information used by commercial lenders and approval authorities in evaluating new, renewal, extension, and modification requests. The position also provides supporting analytical and administrative assistance for commercial real estate and construction credits, including review of relevant financial information, construction budgets, draw documentation, and other credit-related information. The role is developmental and does not carry independent credit approval, portfolio management, loan-origination, or nonconforming draw authority.
Essential Functions:
- Credit Analysis and Underwriting
- Gathers credit information from approved sources, including credit bureaus, reporting services, bank references, internal credit records, and borrower-provided information.
- Compiles and organizes information to support lending decisions on new, renewal, extension, and modification requests.
- Spreads and analyzes borrower and guarantor financial statements, tax returns, personal financial statements, rent rolls, and related financial information under supervision.
- Prepares historical and projected cash flow analyses and assists in identifying material trends affecting repayment capacity, liquidity, leverage, and collateral support.
- Prepares clear and concise credit memoranda, summaries, and supporting analyses for routine commercial credit requests.
- Identifies key credit risks, policy considerations, and mitigating factors and elevates findings to the assigned lender or credit manager.
- Assists with risk-rating support, covenant calculations, and follow-up questions as directed.
- Provides credit information and references to customers, lenders, and other authorized parties.
- Assists in maintaining current and complete credit files, including required financial statements, agency reports, covenant information, and other underwriting documentation.
- Commercial Real Estate and Construction Credit Support
- Assists in review of rent rolls, construction budgets, draw requests, inspection reports, project financial information, and other documents relevant to the assigned credit analysis.
- Assists with comparing construction progress, project costs, and funding activity with approved budgets and loan terms.
- Orders and reviews approved credit information for builders, contractors, and other project participants when required.
- Assists lenders with collateral inspections and documents observations adhering to procedures.
- Coordinates with lenders, Credit Administration, Loan Operations, and other internal partners to obtain information necessary to complete assigned analyses.
- Promptly escalates identified financial, documentation, construction, collateral, or credit concerns to the appropriate lender or credit authority.
- Act as the primary liaison between the bank and various stakeholders (builders, contractors, borrowers, etc.), facilitating smooth loan origination, progress monitoring, and closing processes.
- Monitor loans and construction projects for full compliance with regulatory requirements and bank policies.
- Exercises authority to make impactful financial and risk associated decisions on behalf of Broadway Bank when decisioning non-conforming draws.
- Recommend and implement workflow process improvements.
- Order and evaluate credit information for builders and contractors involved in commercial and residential projects.
- Provide high-level administrative and customer support, including depository transactions, account maintenance, and cross-selling bank products.
- Collaborate with bank leadership to revise construction management policies and procedures as necessary.
- This position may require travel within the Bank’s geographic area.
Experience & Education:
- 1–3 years of relevant experience in commercial credit analysis, banking, finance, accounting, or a related field.
- Working knowledge of commercial credit principles, practices, and financial analysis is preferred.
- Bachelor’s degree in Finance, Accounting, Business Administration, or a related field, to include a minimum of 9 credit hours in accounting and 12 credit hours in finance.
Skills & Qualifications:
- Strong interpersonal and communication skills, with demonstrated initiative, and the ability to learn and develop effectively within a structured, hands-on training environment.
- Ability to develop proficiency in spreading and analyzing financial statements.
- Proficiency with Microsoft Windows; exposure to financial analysis or commercial lending software preferred.
- Ability to manage multiple assignments and meet deadlines in a fast-paced environment.
- Willingness to develop commercial credit, real estate, and construction-lending knowledge.
- Excellent organization skills to maintain credit files and documentation.
- High standard of ethical behavior and discretion in handling sensitive information.
- Flexibility in assuming additional responsibilities and adjusting to changing priorities.
Other Requirements:
- Strong commitment to ethical practices and compliance with all federal and state regulations pertaining to banking and mortgage lending.
- Collaborative spirit to work with CRE Closing and Construction Coordinators across different markets as needed.
- Requires the ability to lift, carry, push, pull weights or otherwise move objects weighing as much as 10 lbs. on a regular basis and/or for extended periods of time during the workday.
- Occasional overtime or extended hours may be required.
We’re a culture that offers resources to benefit your overall health and well-being:
- Career Development and Mentorship Programs
- Generous paid time off, minimum 4 weeks
- Employee recognition, awards, and events
- Free employee-only vision insurance
- Retirement matching
- Tuition reimbursement
Why Broadway Bank:
We are one of the largest independently owned banks in Texas with offerings in personal and private banking, wealth management, business banking and mortgage lending.
Position Overview:
The Commercial Credit Analyst and CRE Loan Closer is responsible for conducting credit investigations, spreading and analyzing borrower and guarantor financial information, preparing cash flow analyses, and assisting with the underwriting of routine commercial credit requests. Operating under close supervision, the position compiles and presents credit information used by commercial lenders and approval authorities in evaluating new, renewal, extension, and modification requests. The position also provides supporting analytical and administrative assistance for commercial real estate and construction credits, including review of relevant financial information, construction budgets, draw documentation, and other credit-related information. The role is developmental and does not carry independent credit approval, portfolio management, loan-origination, or nonconforming draw authority.
Essential Functions:
- Credit Analysis and Underwriting
- Gathers credit information from approved sources, including credit bureaus, reporting services, bank references, internal credit records, and borrower-provided information.
- Compiles and organizes information to support lending decisions on new, renewal, extension, and modification requests.
- Spreads and analyzes borrower and guarantor financial statements, tax returns, personal financial statements, rent rolls, and related financial information under supervision.
- Prepares historical and projected cash flow analyses and assists in identifying material trends affecting repayment capacity, liquidity, leverage, and collateral support.
- Prepares clear and concise credit memoranda, summaries, and supporting analyses for routine commercial credit requests.
- Identifies key credit risks, policy considerations, and mitigating factors and elevates findings to the assigned lender or credit manager.
- Assists with risk-rating support, covenant calculations, and follow-up questions as directed.
- Provides credit information and references to customers, lenders, and other authorized parties.
- Assists in maintaining current and complete credit files, including required financial statements, agency reports, covenant information, and other underwriting documentation.
- Commercial Real Estate and Construction Credit Support
- Assists in review of rent rolls, construction budgets, draw requests, inspection reports, project financial information, and other documents relevant to the assigned credit analysis.
- Assists with comparing construction progress, project costs, and funding activity with approved budgets and loan terms.
- Orders and reviews approved credit information for builders, contractors, and other project participants when required.
- Assists lenders with collateral inspections and documents observations adhering to procedures.
- Coordinates with lenders, Credit Administration, Loan Operations, and other internal partners to obtain information necessary to complete assigned analyses.
- Promptly escalates identified financial, documentation, construction, collateral, or credit concerns to the appropriate lender or credit authority.
- Act as the primary liaison between the bank and various stakeholders (builders, contractors, borrowers, etc.), facilitating smooth loan origination, progress monitoring, and closing processes.
- Monitor loans and construction projects for full compliance with regulatory requirements and bank policies.
- Exercises authority to make impactful financial and risk associated decisions on behalf of Broadway Bank when decisioning non-conforming draws.
- Recommend and implement workflow process improvements.
- Order and evaluate credit information for builders and contractors involved in commercial and residential projects.
- Provide high-level administrative and customer support, including depository transactions, account maintenance, and cross-selling bank products.
- Collaborate with bank leadership to revise construction management policies and procedures as necessary.
- This position may require travel within the Bank’s geographic area.
Experience & Education:
- 1–3 years of relevant experience in commercial credit analysis, banking, finance, accounting, or a related field.
- Working knowledge of commercial credit principles, practices, and financial analysis is preferred.
- Bachelor’s degree in Finance, Accounting, Business Administration, or a related field, to include a minimum of 9 credit hours in accounting and 12 credit hours in finance.
Skills & Qualifications:
- Strong interpersonal and communication skills, with demonstrated initiative, and the ability to learn and develop effectively within a structured, hands-on training environment.
- Ability to develop proficiency in spreading and analyzing financial statements.
- Proficiency with Microsoft Windows; exposure to financial analysis or commercial lending software preferred.
- Ability to manage multiple assignments and meet deadlines in a fast-paced environment.
- Willingness to develop commercial credit, real estate, and construction-lending knowledge.
- Excellent organization skills to maintain credit files and documentation.
- High standard of ethical behavior and discretion in handling sensitive information.
- Flexibility in assuming additional responsibilities and adjusting to changing priorities.
Other Requirements:
- Strong commitment to ethical practices and compliance with all federal and state regulations pertaining to banking and mortgage lending.
- Collaborative spirit to work with CRE Closing and Construction Coordinators across different markets as needed.
- Requires the ability to lift, carry, push, pull weights or otherwise move objects weighing as much as 10 lbs. on a regular basis and/or for extended periods of time during the workday.
- Occasional overtime or extended hours may be required.
We’re a culture that offers resources to benefit your overall health and well-being:
- Career Development and Mentorship Programs
- Generous paid time off, minimum 4 weeks
- Employee recognition, awards, and events
- Free employee-only vision insurance
- Retirement matching
- Tuition reimbursement
See All 82 Credit Analyst Jobs in Texas
Find roles in Texas that match your experience and apply in just a few clicks.
Find Credit Analyst JobsCredit Analyst Jobs by City in Texas
Where Texas roles are concentrated, by current openings.
Credit Analyst Job Market in Texas
A snapshot from current Texas openings, updated as new roles post.
Who's Hiring
Top Industries Hiring
- Insurance
- Banking & Financial Services
- Healthcare & Medical Services
- Investment & Asset Management
What Texas Employers Look For
The qualifications that appear most often in credit analyst jobs across Texas.
- Bachelor's degree in finance, accounting, economics, or a related business field
- Proficiency in financial statement analysis and credit risk assessment
- Experience with commercial or consumer loan underwriting and portfolio review
- Familiarity with Texas-based industry sectors such as energy, real estate, or agriculture lending
- Competency in credit analysis software and tools such as Moody's or Sageworks
- Strong written communication skills for preparing credit memoranda and risk reports
Credit Analyst Jobs in Texas: Frequently Asked Questions
How do you become a credit analyst in Texas?
Start with a bachelor's degree in finance, accounting, or economics, which is the standard entry requirement for Texas employers. Texas does not require a state-issued license to work as a credit analyst, but earning the Credit Risk Certification from the Risk Management Association strengthens your candidacy. Many Texas banks and credit unions hire directly out of college into analyst development programs, particularly in Houston and Dallas financial districts.
How much do credit analysts make in Texas?
Credit analysts in Texas earn a median of about $78,730 a year, based on May 2025 Bureau of Labor Statistics wage data, ranging from around $50,600 for the lowest 10% to over $134,860 for the top 10%. Pay rises with experience, specialty, and employer.
Which companies hire credit analysts in Texas?
Employers hiring credit analysts in Texas right now include PlainsCapital Bank, USAA, and Fitch, based on current listings on Migrate Mate as of November 2026. Texas's concentration of regional banks, energy companies, and commercial real estate firms means demand extends well beyond national institutions to include locally headquartered lenders and specialty finance firms.
Which Texas cities have the most credit analyst jobs?
Houston, Fort Worth, and Plano have the most credit analyst openings in Texas. Houston leads because of its dense concentration of energy sector headquarters, regional banks, and commercial real estate lenders, while Dallas draws demand from corporate finance teams and large bank operations centers, and San Antonio's strong community banking and military-affiliated financial institutions round out the market.
Are there remote credit analyst jobs in Texas?
Yes, and more than many finance roles, since credit analysis is fundamentally a desk-based and document-driven function. About 58% of credit analyst openings tied to Texas are remote or hybrid as of November 2026, reflecting how much of the work can be done without being on-site. Senior credit review, portfolio monitoring, and risk reporting positions tend to offer the most remote flexibility.
How can I get hired as a credit analyst in Texas with little or no experience?
The most realistic entry path is applying to analyst development programs at large Texas banks such as Frost Bank, Comerica, or regional community banks that recruit new graduates directly into structured training rotations. Lateral moves from roles like loan processor, financial analyst, or banking associate are common stepping stones. Completing the Credit Risk Certification exam early or building Excel-based financial modeling samples strengthens a candidate's file before their first interview.
Where can I find and apply to credit analyst jobs in Texas?
You can find and apply to credit analyst jobs in Texas on Migrate Mate, which lists current Texas openings across banking, commercial lending, and corporate finance. Find roles that fit your background and apply directly to each one without creating a profile or signing up first.
See All 82 Credit Analyst Jobs in Texas
Find roles in Texas that match your experience and apply in just a few clicks.
Find Credit Analyst Jobs