Commercial Credit Analyst & CRE Loan Closer - Dallas

Why Broadway Bank:
We are one of the largest independently owned banks in Texas with offerings in personal and private banking, wealth management, business banking and mortgage lending.

Position Overview:

The Commercial Credit Analyst and CRE Loan Closer is responsible for conducting credit investigations, spreading and analyzing borrower and guarantor financial information, preparing cash flow analyses, and assisting with the underwriting of routine commercial credit requests. Operating under close supervision, the position compiles and presents credit information used by commercial lenders and approval authorities in evaluating new, renewal, extension, and modification requests. The position also provides supporting analytical and administrative assistance for commercial real estate and construction credits, including review of relevant financial information, construction budgets, draw documentation, and other credit-related information. The role is developmental and does not carry independent credit approval, portfolio management, loan-origination, or nonconforming draw authority.

Essential Functions:

• Credit Analysis and Underwriting
• Gathers credit information from approved sources, including credit bureaus, reporting services, bank references, internal credit records, and borrower-provided information.
• Compiles and organizes information to support lending decisions on new, renewal, extension, and modification requests.
• Spreads and analyzes borrower and guarantor financial statements, tax returns, personal financial statements, rent rolls, and related financial information under supervision.
• Prepares historical and projected cash flow analyses and assists in identifying material trends affecting repayment capacity, liquidity, leverage, and collateral support.
• Prepares clear and concise credit memoranda, summaries, and supporting analyses for routine commercial credit requests.
• Identifies key credit risks, policy considerations, and mitigating factors and elevates findings to the assigned lender or credit manager.
• Assists with risk-rating support, covenant calculations, and follow-up questions as directed.
• Provides credit information and references to customers, lenders, and other authorized parties.
• Assists in maintaining current and complete credit files, including required financial statements, agency reports, covenant information, and other underwriting documentation.
• Commercial Real Estate and Construction Credit Support
• Assists in review of rent rolls, construction budgets, draw requests, inspection reports, project financial information, and other documents relevant to the assigned credit analysis.
• Assists with comparing construction progress, project costs, and funding activity with approved budgets and loan terms.
• Orders and reviews approved credit information for builders, contractors, and other project participants when required.
• Assists lenders with collateral inspections and documents observations adhering to procedures.
• Coordinates with lenders, Credit Administration, Loan Operations, and other internal partners to obtain information necessary to complete assigned analyses.
• Promptly escalates identified financial, documentation, construction, collateral, or credit concerns to the appropriate lender or credit authority.
• Act as the primary liaison between the bank and various stakeholders (builders, contractors, borrowers, etc.), facilitating smooth loan origination, progress monitoring, and closing processes.
• Monitor loans and construction projects for full compliance with regulatory requirements and bank policies.
• Exercises authority to make impactful financial and risk associated decisions on behalf of Broadway Bank when decisioning non-conforming draws.
• Recommend and implement workflow process improvements.
• Order and evaluate credit information for builders and contractors involved in commercial and residential projects.
• Provide high-level administrative and customer support, including depository transactions, account maintenance, and cross-selling bank products.
• Collaborate with bank leadership to revise construction management policies and procedures as necessary.
• This position may require travel within the Bank's geographic area.

Experience & Education:

• 1-3 years of relevant experience in commercial credit analysis, banking, finance, accounting, or a related field.
• Working knowledge of commercial credit principles, practices, and financial analysis is preferred.
• Bachelor's degree in Finance, Accounting, Business Administration, or a related field, to include a minimum of 9 credit hours in accounting and 12 credit hours in finance.

Skills & Qualifications:

• Strong interpersonal and communication skills, with demonstrated initiative, and the ability to learn and develop effectively within a structured, hands-on training environment.
• Ability to develop proficiency in spreading and analyzing financial statements.
• Proficiency with Microsoft Windows; exposure to financial analysis or commercial lending software preferred.
• Ability to manage multiple assignments and meet deadlines in a fast-paced environment.
• Willingness to develop commercial credit, real estate, and construction-lending knowledge.
• Excellent organization skills to maintain credit files and documentation.
• High standard of ethical behavior and discretion in handling sensitive information.
• Flexibility in assuming additional responsibilities and adjusting to changing priorities.

Other Requirements:

• Strong commitment to ethical practices and compliance with all federal and state regulations pertaining to banking and mortgage lending.
• Collaborative spirit to work with CRE Closing and Construction Coordinators across different markets as needed.
• Requires the ability to lift, carry, push, pull weights or otherwise move objects weighing as much as 10 lbs. on a regular basis and/or for extended periods of time during the workday.
• Occasional overtime or extended hours may be required.

We're a culture that offers resources to benefit your overall health and well-being:

• Career Development and Mentorship Programs
  
• Generous paid time off, minimum 4 weeks
• Employee recognition, awards, and events
• Free employee-only vision insurance
• Retirement matching
• Tuition reimbursement

This job description is not designed to be a comprehensive listing of duties, responsibilities, or activities that are required for this job. Duties, responsibilities, and activities may change at any time with or without notice.

Broadway Bank is proud to be an Equal Opportunity Employer. Broadway Bank is a drug-free, tobacco-free and nicotine-free workplace. All qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, disability, veteran status, or other legally protected status.

Member FDIC