Credit Analyst III

Position Summary

As a Credit Analyst III, you will play a key role in the Bank's commercial credit underwriting process, partnering with lenders and departments across the organization to evaluate complex commercial lending relationships and support sound credit decisions.

This role requires strong analytical skills, sound judgment, attention to detail, and the ability to navigate a fast-paced environment while balancing multiple priorities.

This full-time, in-person position is based in our downtown Austin office (600 West 5th Street) and provides the opportunity to apply your expertise in financial analysis, credit risk assessment, and regulatory compliance while contributing to a collaborative, high-performing Credit team.

If you're an experienced credit professional who enjoys analyzing complex financial information and helping drive quality lending decisions, we'd love to hear from you.

WHAT WILL I DO?

Key responsibilities include

• Analyze complex financial information to evaluate the creditworthiness of prospective and existing commercial borrowers, supporting sound lending decisions.
• Prepare financial spreads, credit analyses, and presentations for management and senior lending staff, clearly communicating credit risks and recommendations.
• Review loan risk ratings, credit packages, and loan structures to ensure compliance with the Bank's Loan Policy, risk rating methodology, and underwriting standards.
• Identify credit strengths, weaknesses, and emerging risks, providing independent analysis and recommendations to support quality credit decisions.
• Complete annual credit reviews and ongoing portfolio monitoring for assigned lending relationships.
• Partner with lenders and other departments to provide timely credit analysis and responsive support throughout the underwriting process.
• Maintain effective verbal and written communication while delivering exceptional service to internal and external customers.
• Identify opportunities to improve processes, enhance efficiency, and strengthen the Bank's credit underwriting practices.
• Other duties as assigned and/or taken on.

AM I THE RIGHT FIT?

We are searching for professionals who have had proven success in their past careers, are self-motivated, and have a great attitude to join our team.

Specific requirements include

• Minimum: Bachelor’s degree in accounting, finance, or another related field and 3+ years of direct industry experience in commercial credit, especially commercial real estate & banking C&I; or the equivalent combination of education and experience, which demonstrates the knowledge, skills, and abilities to perform the job duties of this position.
• Demonstrated experience analyzing commercial financial statements, tax returns, cash flow, collateral, and repayment capacity.
• Strong understanding of commercial credit underwriting principles, credit policy, and regulatory expectations.
• Excellent analytical, written, and verbal communication skills, with the ability to clearly communicate credit recommendations.
• Strong organizational, time management, and problem-solving skills with the ability to work independently and manage competing priorities.

Desired qualifications

• Experience using CASH Suite or similar commercial credit analysis software.
• Community banking experience.

why horizon?

We’re not just your ordinary bank - we have something special here at Horizon. Our charter dates back to 1905, giving us over a century of experience serving Central Texas. We pride ourselves on creating lifelong customer relationships and business partnerships and have a reputation for an unwavering commitment to our teams, our communities, and our customers.

Thanks to our diverse, energetic team, Horizon continues to grow and succeed:

• #1 locally owned bank according to Austin Business Journal 2020 Power Rankings.
• Top 40 community banks nationwide by S&P Global Market Intelligence.
• 2024 top 10 community bank according to American Bankers Association.
• 2020 & 2021 Thriving Together recipient for outstanding company Wellness Program. Learn more about our benefit package below!

We’re proud of where our teams have gotten us and can’t wait to see where you will take us next!

WHAT DOES IT MEAN TO BE ON THE HORIZON TEAM?

Our commitment to our employees goes beyond base pay—it includes the tangible things like salary, benefits, and special employee programs such as training & development, wellness, and flexible sick time. Equally important are the intangible factors like challenging work, a community focused mindset, and the opportunity to grow professionally. We do not hire resources; we invest in people.

Benefits available to you include

• Health coverage options including Medical, Dental, and Vision
• Wellness Program that incentivizes you with premium cost savings
• Employee Assistance Program to help you with life’s challenges
• Basic Group term Life and AD&D to protect you and your family
• The opportunity to become a shareholder of the Bank through our 401k Retirement Plan
• Discounts on Pet Insurance
• Time off policies meant to support your work-life balance

INTERESTED?

This is a great opportunity to join a successful and growing organization. If you think that you could be the perfect fit, please apply now. Submit your resume and contact information for consideration.

Good luck and we look forward to hearing from you!

At Horizon Bank, we recognize that diverse perspectives and experiences drive innovation and success. We operate within a merit-based framework that fosters inclusivity and belonging, ensuring all individuals have the opportunity to contribute, develop, and thrive. We seek talented, qualified individuals for all career opportunities, without regard to any status protected under federal, state, or local law.

Horizon Bank is proud to be an Equal Employment Opportunity Employer.