• Credit Officer II - Commercial Real Estate

    Job Location US-TX-Houston-Riverway
    Location: Address
    One Riverway
    Credit Administration/Credit Approval/Credit Underwriting
  • Overview

    At Texas Capital Bank, we are driven by a single-minded and unwavering mission: to serve business and the individuals who run them. We use a consultative approach and innovative technologies to develop new ideas that give the bank and our clients a competitive advantage. We partner with our customers to push the boundaries of what’s possible—together.


    Headquartered in Dallas, Texas Capital Bank has offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, and we serve clients in a variety of industries from coast-to-coast.


    We are on the Forbes Best Banks in America list, and were named a top place to work by The Dallas Morning News and San Antonio Express-News. For further information, please visit us at www.texascapitalbank.com.


    • Partners with Relationship Managers and underwriters to provide recommendations on credit structure and potential risks.
    • Negotiates, where necessary, terms under which credit will be extended, including the repayment term, covenants and collateral requirements.
    • Ensures all due diligence and background evaluation is complete before credit approval is granted.
    • Ensures the effective administration of the corporate loan policies, programs, objectives and goals as they pertain to the Bank.
    • Oversees documentation of loans to ensure complete loan files are maintained; works with the Bank’s RMs, underwriting and monitoring teams as needed
    • Ensures policy compliance requirements are met.
    • Assesses risk ratings.
    • Assures the integrity of  individual credits approved as well as the assigned portfolio.
    • Works with and mentors underwriting team.
    • Accompanies RMs on client visits, when needed.
    • May perform other duties as needed.            


    • A minimum of ten (10) years experience in a credit approval role with a focus on Commercial Real Estate transactions in the $5-50 million range.
    • Prior experience as a commercial lender preferred.
    • Completion of a formal credit training program.
    • Bachelor’s degree; MBA preferred.
    • A high level of interpersonal skills to communicate policies, procedures and objectives effectively throughout the Bank and to cultivate working relationships with bankers and clients.
    • A high level of analytical skill to assess and manage areas of responsibility including determination of credit risk involved and making final approval decisions.
    • Proficient with Excel and Microsoft Word.
    • Strong written communications skills.
    • Understanding of all Bank products and services.
    • Thorough knowledge of commercial loans, principles, policies, and practices.
    • Thorough knowledge of financial statement analysis.
    • Knowledge of current lending laws and regulations.


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