Top 14 Credit analyst Jobs in Waco Tx

Credit Analyst III
Extraco Banks, N.A. —Waco, TX
- Monday to Friday
- Office
- Finance
- Analysis skills
- Opportunities for advancement
Quick Apply
Coordinator - Credit Recovery Systems and CCMR Support
Waco ISD —Waco, TX
- Full-time
- School experience
- Mid-level
- Office
Teacher - Lab Credit Recover
Waco ISD —Waco, TX
- Full-time
- School experience
- Classroom
- Teaching Certification
Financial Analyst
Extraco Banks, N.A. —Waco, TX
- Microsoft Excel
- CPA
- Mid-level
Quick Apply
Premium Insurance Field Auditor Contract
ReSource Pro —Waco, TX
- $33.50 - $38.50 an hour
- Contract
- Customer service
- Computer literacy
- Mid-level
Quick Apply
Assistant Director of Life Underwriting
HOVIN Underwriting Partners —United States
- Part-time
- Remote
- Anatomy knowledge
- Microsoft Outlook
- 5 years
- Disability insurance
- Health insurance
Quick Apply
9d
Director of Life Underwriting
HOVIN Underwriting Partners —United States
- Full-time
- Remote
- Anatomy knowledge
- Microsoft Outlook
- Bachelor's degree
- Disability insurance
- Health insurance
Quick Apply
9d

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Credit Analyst III

Extraco Banks, N.A. -
Waco, TX

Quick Apply

Job Details

Benefits

Opportunities for advancement

Qualifications

Cash flow analysis
Financial model construction
Spreadsheets
Financial statement analysis
Bachelor's degree
Financial report interpretation
Corporate finance analysis experience in risk and credit
Financial projection model development
Financial statement interpretation
Real estate analysis experience in risk and credit
Productivity software
Financial forecasting analysis
Loan Origination Systems (LOS)

Full Job Description

About the Role

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

What You’ll Do

Credit Underwriting & Analysis

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

Portfolio Monitoring & Risk Management

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

Collaboration & Deal Support

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

Operational & Strategic Contributions

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

Leadership & Development

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

What We’re Looking For

Required Qualifications

Bachelor’s degree in Finance, Accounting, Economics, or related field (required)
9+ hours of accounting coursework preferred
Advanced degree or formal credit training (preferred)
5–7+ years of progressive commercial credit analysis experience (C&I and/or CRE)

Required Skills & Abilities

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

Training Expectations

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

Why Extraco?

Extraco Banks is committed to strong credit quality, responsible growth, and employee development. In this role, you’ll work on complex, high-value relationships while contributing to strategic portfolio decisions.

You’ll join a collaborative team environment that values expertise, accountability, and continuous improvement—while offering opportunities for career advancement and professional growth.

Work Environment & Physical Requirements

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

Work Schedule

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

Equal Opportunity Employer

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.

Quick Apply

Refine Your Search

credit analyst jobs in waco tx

Credit Analyst III

Coordinator - Credit Recovery Systems and CCMR Support

Teacher - Lab Credit Recover

Financial Analyst

Premium Insurance Field Auditor Contract

Assistant Director of Life Underwriting

Director of Life Underwriting