Senior Credit Analyst III

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.