Senior Credit Analyst III

Senior Credit Analyst III Angott Search Group - San Antonio, TX, United States

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Banking About Jefferson Bank Founded in 1946, Jefferson Bank is one of Texas's largest independent, family-owned community banks. From a single neighborhood charter in San Antonio, the bank has grown to roughly $2.8 billion in assets, 13+ banking centers across San Antonio, Boerne, New Braunfels, and Austin, and a thriving Trust and wealth management business. After 80 years, Jefferson Bank remains independent — free from the quarterly pressures of public ownership and grounded in the same guiding principle since day one: this is personal to us. We're recognized as one of the region's top workplaces and known for the kind of stability, judgment, and relationships that big-bank cultures don't reproduce. Our credit team is a big part of why. About the Role We're hiring a Senior Credit Analyst III to anchor our commercial credit team. This is the senior individual contributor seat on the analyst bench — the person who handles our most complex deals, partners directly with our lenders, mentors the analysts behind them, and steps in when leadership needs coverage. If you're a credit analyst who's tired of layered reviews, slow turn times, and being one small piece of a large machine, this is the opposite of that. You'll own your deals, work directly with the lenders, and bring credits to committee with minimal hand-holding. Autonomy isn't a perk here — it's how we work. What You'll Do Underwrite commercial loan requests across an 80%

CRE / 20

% C&I portfolio, with typical deal sizes of $1M-$1.5M. Support a team of 15 commercial lenders generating 3-4 new opportunities per week, with 30+ deals active in the pipeline at any given time. Spread financial statements, perform global cash flow analysis, and assess credit risk on new originations, renewals, and annual reviews. Author clear, decision-ready credit memos for full underwrites — and concise remarks-section write-ups for lighter-touch deals. Present analysis and recommendations to senior credit officers and to credit committee. Interact directly with commercial lenders to clarify structure, request information, and shape recommendations. Train and onboard new credit analysts; review their work and develop the bench over time. Step in for the department head when needed — covering meetings, decisions, and team continuity. What You Bring 5+ years of commercial credit analysis or commercial underwriting experience. Current or recent community bank background — this matters; our deals, our pace, and our culture reflect it. Real commercial real estate underwriting depth (investor-owned, owner-occupied, construction, or some combination). Demonstrated ability to spread financials, model cash flow, and write credit memos that hold up at committee. Bachelor's degree in finance, accounting, economics, or a related field. Confidence interacting with commercial lenders and senior leadership. Willingness and ability to train and review the work of junior analysts. Located in or willing to relocate to San Antonio — this role is on-site. What Sets You Apart Hands-on experience with Moody's Financial Analyst / CreditLens. Familiarity with Jack Henry Silverlake or a comparable core banking platform. Prior experience as a team lead, senior analyst, or in any role where you formally reviewed others' work. C&I exposure across diverse industries — healthcare, hospitality, manufacturing, professional services, etc. What We Offer Base salary of approximately $110,000, with meaningful flexibility for the right candidate. Performance bonus. Comprehensive benefits — medical, dental, vision, 401(k) with employer match, paid time off. A stable, well-capitalized, independent community bank with deep San Antonio roots and a portfolio you'll be proud to underwrite. Real autonomy in your deals and real influence on the team behind you. A new headquarters on Broadway and a culture recognized externally as one of San Antonio's top workplaces. Compensation $110,000.00 Job # 2288 Share