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
The SAG Credit Analyst role is positioned within the Special Assets Group and reports to the head of Special Assets. This role brings experience in core tasks dedicated to the underwriting and restructuring function, which is integral to the success of each line of business (LOB) SAG supports, helping to drive the strategic vision set forth by Texas Capital Bank. TCB SAG unit is a dynamic, creative team focused on problem solving and creating structures and transactions to optimize the TCB platform.
This position will support the SAG team. The Analyst will provide support for more senior colleagues in delivering best-in-class client experience and comprehensive financial solutions to clients across a broad array of industries. SAG provides solutions for problem credits for all LOBs and is client facing. The SAG Analyst will experience a very diverse set loan/credit of situations, attend client calls and meetings, and absorb the financial and credit fundamentals and legal principals of workouts, restructuring and bankruptcy.
Responsibilities:
To be successful in this role, candidates must be able to process large amounts of information, communicating in a clear and concise manner, and develop innovative solutions for our clients, all while maintaining a strong and efficient attention to detail. Depending on alignment, key responsibilities may include, but are not limited to:
Create financial statements, spreads and analyze data
Participate in the analysis, evaluation, and underwriting of proposed credit facilities for prospects and customers
Support Portfolio Manager in credit approval process (new customers, modifications, increases, risk assessments)
Support Portfolio Manager in portfolio reporting and analytics (grade migration, past-dues, exceptions, coming-due, ticklers etc.)
Work with Relationship Managers, Portfolio Managers and Credit Officers to assess credit opportunities, identify key risks, and structure alternatives
Assist in the preparation of credit packages
Initiate background checks/credit reports
Coordinate internal discussions
Assist in exception tracking, clearing & reporting
Conduct research on borrowers and industries
Special projects as needed
Qualifications:
Minimum 1-2 years of commercial underwriting experience
Bachelor’s degree in Finance, Accounting, Real Estate, Commercial Banking, or equivalent/relevant program
Interest in a long-term career in Banking.
Passion for financial services and delivering superior client experiences.
Enjoy thrill of deal.
Extraordinary levels of motivation and initiative
Effective team players who want to work in a fast-paced, collaborative environment and build working relationships across the organization
Exceptional writing, interpersonal and communication skills
Strong Microsoft Office skills including Outlook, Excel, and PowerPoint to produce reports, memos, and presentations
The duties listed above are the essential functions, or fundamental duties within the job classification. The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy.Texas Capital is an Equal Opportunity Employer.
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What We Do
Our expert bankers are committed to helping your business build and grow. Equipped with experience-based insights and a proven record of implementing custom solutions for clients, we can help you with a suite of business lending, investing and financial management services that see you through every step of the way. Our client-centric culture thrives because we attract, develop and engage the most experienced and diverse experts in their fields. Over the years, we've developed a supportive culture that values collaboration, rewards performance and respects the well-being of its team members. We know our people are our greatest asset, so we give them the resources and support they need to be successful. Our personal approach has enabled us to deliver exceptional value for our clients for more than two decades — an achievement we’re proud to continue. Explore a career at Texas Capital Bank: https://www.texascapitalbank.com/who-we-are/careers Texas Capital Bank is a wholly owned subsidiary of Texas Capital Bancshares, Inc. (NASDAQ®: TCBI). For more information, please visit www.texascapitalbank.com. Member FDIC. NASDAQ®: TCBI. Equal Housing Lender. Texas Capital Bank and its subsidiaries are equal opportunity employers and do not discriminate on the basis of any protected trait including sex, sexual orientation, gender identity, race, ethnicity, disability, or veteran status. Please view our EEO Policy to learn more: https://www.texascapitalbank.com/equal-employment-opportunity-policy
