Description Join Blue Sky Bank's dedicated team as a Commercial Credit Analyst III! Drive smart lending decisions. Strengthen financial partnerships. Grow your career. Blue Sky Bank is seeking a detail-oriented and proactive Credit Analyst III to join our team in Dallas, Texas. In this role, you will play a critical role in the credit decision-making process by performing comprehensive financial and risk analysis for commercial lending relationships. You'll work independently on complex credit requests, monitor portfolio risk, and assist lenders in maintaining a safe and sound loan portfolio while ensuring compliance with regulatory requirements and bank policy. Why Blue Sky Bank? • Hybrid Work Arrangement - Achieve more with a hybrid work schedule that promotes flexibility, connection, and success. • Benefits – Enjoy a comprehensive benefits package that includes a starting accrual of three weeks of paid time off, a 401(k) plan with employer matching, and medical, dental, and vision insurance. Additional benefits include a Health Savings Account (HSA), Flexible Spending Account (FSA), Dependent Care FSA, voluntary accident and critical illness coverage, and 100% employer-paid short-term Disability, long-term disability, and group life/AD&D insurance, as well as optional voluntary life/AD&D coverage. • Growth Opportunities – Gain exposure to advanced credit analysis and a diverse loan portfolio. • Collaborative Environment – Partner with experienced lenders, credit professionals, and bank leadership in a culture that values teamwork and expertise. • Meaningful Influence – Play a critical role in maintaining a safe, sound, and successful loan portfolio. What You'll Do • Perform comprehensive financial and credit analysis for new and existing commercial lending relationships • Evaluate borrower financial statements, cash flow, repayment capacity, and overall creditworthiness • Assist lenders in structuring credit facilities and identifying appropriate risk mitigation strategies • Prepare and maintain detailed, high-quality credit memorandums and underwriting recommendations • Monitor commercial loan relationships and identify emerging credit risks • Recommend risk rating and grading changes based on ongoing portfolio performance • Evaluate collateral, covenant compliance, and financial trends to support ongoing credit monitoring • Analyze industry data and market conditions to enhance risk assessments • Assess collateral quality and support appropriate loan structures and approval parameters • Review and analyze: Accounts Receivable Aging Reports, Borrowing Base Certificates, Rent Rolls, Loan Covenant Compliance, Financial Statements and Cash Flow Analysis, and On-site Collateral Inspections, as needed. • Provide meaningful analysis regarding collateral values, inherent risks, and mitigation strategies • Partner closely with lenders to facilitate loan approvals, renewals, extensions, and ongoing monitoring • Coordinate the timely collection of financial information and clearance of loan exceptions • Support efficient credit administration processes and portfolio maintenance efforts • Collaborate with departments across the bank to ensure a seamless lending process • Ensure compliance with bank policies, regulatory requirements, and fair lending standards • Maintain consistency and quality within the credit underwriting process • Demonstrate leadership through sound judgment, professionalism, and constructive collaboration • Serve as a trusted resource for lenders and internal business partners Requirements • Education: Bachelor’s degree in finance, accounting or other business-related fields or equivalent experience. • Experience: 5+ years of commercial credit analysis/underwriting experience at a financial institution required. C&I and real estate experience preferred. • Valid driver's license, proof of insurance, qualifying motor vehicle record report, and reliable transportation. • Advanced knowledge of commercial credit analysis and underwriting • Strong understanding of financial statement analysis, cash flow modeling, and risk assessment • Ability to independently evaluate complex credit relationships and make sound recommendations