Credit Review Officer

Responsibilities

• Manage and execute all stages of credit reviews (both continuous reviews and targeted reviews, as well as continuous monitoring of assigned business units). Complete analyses in conformance with established Credit Review procedures and regulatory guidelines.
• For all reviews, analyze credit memos for complex lending transactions to:
• Determine if credit analysis was sufficiently thorough and conclusions were reasonable. This includes evaluating underwriting quality, covenant structures, guarantees, collateral, borrowing base formulas, and repayment terms across multiple lending segments.
• Ensure that loans adhere to credit policy and to regulatory guidelines. Document conclusions clearly and concisely. Communicate analysis results to senior business management, Credit Administration, and the regulators.
• Verify that risk ratings have been assigned accurately and updated timely. Assess and validate risk rating components within the bank's dual risk rating framework; recommend and defend rating changes with clear, data-supported rationale.
• When acting as Lead Reviewer for a targeted review, guide the review team to ensure key planning, fieldwork and report issuance milestone dates are met.
• Identify gaps in credit policy, credit processes, and risk rating models.
• Promote and maintain positive relationships with the business units and Credit Administration. Provide information and assistance when appropriate.
• Maintain relevant knowledge of key market-risk issues, legal and compliance involved in credit related activities.
• Recommend process enhancements and help integrate AI-driven methodologies into review workflows to improve review accuracy and efficiency.

Requirements

• Bachelor's degree in Finance, Accounting, Economics, Banking, or related field or any combination of training, education, or experience.
• Minimum of 3 years demonstrated successful experience in underwriting, portfolio management or Credit Review of a commercial/wholesale lending portfolio, or comparable as a consultant or financial regulator with primary responsibility emphasis in the assessment and performance of

Benefits

Additional Information

Texas Capital is built to help businesses and their leaders. Our depth of knowledge and expertise allows us to bring the best of the big firms at a scale that works for our clients, with highly experienced bankers who truly invest in people's success - today and tomorrow. While we are rooted in core financial products, we are differentiated by our approach. Our bankers are seasoned financial experts who possess deep experience across a multitude of industries. Equally important, they bring commitment - investing the time and resources to understand our clients' immediate needs, identify market opportunities and meet long-term objectives . At Texas Capital, we do more than build business success. We build long-lasting relationships. Texas Capital provides a variety of benefits to colleagues, including health insurance coverage, wellness program, fertility and family building aids, life and disability insurance, retirement savings plans with a generous 401K match, paid leave programs, paid holidays, and paid time off (PTO). Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, Texas Capital was recently named Best Regional Bank in 2024 by Bankrate and was named to The Dallas Morning News ' Dallas-Fort Worth metroplex Top Workplaces 2023 and GoBankingRate's 2023 list of Best Regional Banks. For more information about joining our team, please visit us at www.texascapitalbank.com . Brief Overview of Position Credit Review is an independent contributor to the second line of defense for Texas Capital Bank and provides credit assurance and advisory services to senior management and the Board of Directors. The Credit Review Officer will assume a critical role in the Bank's expanding internal Credit Review organization whose mission is to help ensure the financial soundness of the Bank by independently identifying, assessing, and escalating credit risks to the Board and other key stakeholders. To provide for independence, Credit Review reports functionally to the Risk Committee of the Board of Directors and administratively to the Chief Risk Officer.

Your Match

How well this role fits your profile.

Company Intel

What employees say

Worked at texascapitalbank? Share your experience