American National Bank of Texas · 2 months ago
Senior Credit Officer
Dallas, TX
Full-time
Onsite
Senior Level, Lead/Staff
10+ years expAmerican National Bank of Texas is seeking a Senior Credit Officer to manage and oversee credit risk while ensuring compliance with lending policies. The role involves reviewing loan applications, driving asset quality in the commercial portfolio, and mentoring other lending staff.
BankingFinancial ServicesMortgage
Responsibilities
Reviews loan applications and analyzes credit information to assess customer's credit worthiness and makes decisions about credit requests pursuant to bank policy. Assigned to regions and larger/complex loans
Manages the existing portfolio for asset quality to include asset reviews of large relationship, identifying problem loans, timely renewal of maturities, assisting in resolution of critical exceptions, assisting in managing covenant defaults
Supports the market in business development efforts by participating in sales calls
Prepares reports on large loan applications and presents these to Loan Committee, with recommendations; participates in Loan Committee decision making; issues loan approvals within defined limits
Participates in the mentoring and development of lenders, relationship managers, portfolio managers, and analysts
Provides advice and guidance to loan officers regarding loan policies and procedures, credit analysis, financial statement evaluation, and credit investigations; may participate in training of loan officers and support lenders' adherence to Bank's lending policies and procedures
Works closely with Special Assets Manager and Lenders to monitor, identify and recommend strategies and structures on problem loans. Requires collaboration with internal and external partners and customers to strategize and communicate around collection efforts
Qualification
Required
Bachelor's degree or equivalent educational/work experience
10+ years of progressively responsible professional and supervisory work experience in one or a combination of business, C&I, ABL, commercial real estate, SBA and consumer lending; proficiency in analysis software
Working knowledge of Microsoft Excel and MS Word; basic keyboarding and calculator skills; must be able to do complex math and carry out complex written instructions
Work may occasionally require more than 40 hours per week to perform the essential function of the job
Office setting with lifting up to 30 lbs
Preferred
Fluency in English and Spanish
Company
American National Bank of Texas
American National Bank of Texas is one of the oldest independent banks in North Texas.
201-500 employees
Funding
Current Stage
Growth StageTotal Funding
$70M2020-10-13Debt Financing· $70M
Leadership Team
Robert Hulsey
President/CEO
Chris Cronin
Chief Operating Officer
Recent News
2025-11-15
Business Wire
2025-05-17
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