SENIOR CREDIT RISK OFFICER

Overview

Interactions drive success at Frost. As a Senior Credit Risk Officer, you will coordinate the review and approval of loans and credit limits with minimal oversight across commercial banking relationships. You will evaluate loan structures to ensure the appropriate product type and level of credit, with a credit approval limit of up to $20 million. You will also verify that proposed loan packages meet the organization’s credit standards, checking for completeness and accuracy. This role emphasizes building relationships with integrity, care, and excellence.

What you’ll do

• Monitor lending teams, groups of lending teams, and lines of business portfolios for credit risk issues, including exception reporting, past dues, loan agreement compliance, trend analysis, and identification of emerging risks
• Review and approve credit requests, modifications, amendments and waivers for commercial banking relationships; credit requests span product areas including loans, treasury management, global trader services, and other exposures
• Ensure the efficient delivery of credit risk to promote an excellent customer experience both internally and externally
• May act as a source of knowledge to assist in identifying relevant content for credit education programs
• Provide guidance and feedback on how proposed loan packages can be improved
• Always take action using Integrity, Caring, and Excellence to achieve all-win outcomes

What you’ll need

• Bachelor’s degree, preferably in Finance or Accounting
• 10+ years of banking experience, with completion of a formal credit training program or equivalent knowledge of credit analysis and secured lending
• Demonstrated experience in successfully managing loan portfolios and approving credit risks through economic cycles
• Excellent written and verbal communication skills
• Proficient in Microsoft computer applications
• Additional Preferred Skills: 15+ years of banking experience with time spent as a relationship manager

Benefits

• Medical, dental, vision, long-term disability, and life insurance
• 401(k) matching
• Generous holiday and paid time off schedule
• Tuition reimbursement
• Extensive health and wellness programs, including our Employee Assistance Program
• Referral bonus program plus more

Location

New Braunfels, TX 78130

About Frost Bank

Since 1868, Frost has delivered banking, investment, and insurance services to businesses and individuals across Texas. Frost ranks among the 50 largest U.S. banks by asset size and leads in banking customer satisfaction. The bank emphasizes being part of something bigger and invites you to explore what is possible with the team. If this resonates with you, consider applying to explore opportunities at Frost.