Credit Analyst III

Extraco Banks is seeking an experienced and detail-oriented Commercial Analyst IIIto 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.

Lead underwriting of complex commercial and CRE credits including financial spreading cash flow and global analysis collateral evaluation and sensitivity analysis
Structure and recommend loan terms covenants and collateral packages that align with client needs and sound risk practices
Prepare clear concise decision-ready credit approval packages outlining risk ratings key risks mitigants and policy exceptions

Monitor covenant compliance and financial reporting requirements; identify breaches or emerging concerns
Recommend renewals waivers amendments or other corrective actions when needed
Maintain accurate and timely risk ratings and support early warning and watch list processes
Monitor macroeconomic and industry trends impacting borrower performance and portfolio segments

Partner with Relationship Managers and Portfolio Managers on new deals opportunity memos and pre-screening discussions
Participate in client calls and site visits to better understand borrower operations and risk drivers
Collaborate with Credit Management to ensure timely preparation of Loan Committee materials
Act as a subject matter expert for underwriting guidance and system support

Manage the Credit Inbox and oversee assignment and tracking of incoming analysis requests
Support portfolio reporting data integrity initiatives stress testing and special projects
Ensure work product aligns with internal policies and regulatory expectations

Mentor and coach junior analysts to promote consistency and quality in underwriting
Complete required training and contribute to ongoing process improvements
Participate in continuing education through training sessions seminars and industry events

Bachelors degree in Finance Accounting Economics or related field (required)
9 hours of accounting coursework preferred
Advanced degree or formal credit training (preferred)
57 years of progressive commercial credit analysis experience (C&I and/or CRE)

Strong financial statement and tax return analysis capabilities
Proficiency in cash flow modeling projections and sensitivity analysis
Strong analytical judgment with sound risk awareness
Ability to manage multiple complex assignments and meet deadlines
Collaborative mindset with ability to balance sales and risk perspectives
Proficiency in spreadsheets loan origination systems and Microsoft Office
Working knowledge of loan structures documentation fundamentals and regulatory guidance
Excellent written and verbal communication skills including presenting to senior leadership
Strong attention to detail organization and time management skills

Develop advanced expertise in Extraco credit policies underwriting standards and risk rating methodology
Gain proficiency in loan systems portfolio reporting tools and data integrity processes
Participate in ongoing professional development including internal and external training opportunities
Support knowledge sharing and training of junior analysts

Extraco Banks is committed to strong credit quality responsible growth and employee this role youll work on complex high-value relationships while contributing to strategic portfolio decisions.

Youll join a collaborative team environment that values expertise accountability and continuous improvementwhile offering opportunities for career advancement and professional growth.

Primarily office-based role with collaboration across internal teams and occasional client interaction
Regular sitting standing walking talking and hearing
Frequent use of standard office equipment including computer and telephone
Ability to lift and/or move up to 25 pounds occasionally
Vision abilities include close vision distance vision depth perception and ability to adjust focus

Monday through Friday 8:00 a.m. 5:00 p.m. (in office)

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.