Commercial Credit Risk Review Analyst - Bellaire or Victoria

Company: Prosperity Bank
Location: Victoria
Posted on: April 1, 2026

Job Description:

External Applicants: Please apply through Prosperity Bank's Career Center at https://www.prosperitybankusa.com/Careers . Applying through any other source may prevent Prosperity from receiving your application. Internal Applicants: If you are a current associate of Prosperity Bank, please apply through the internal Talent - Career Center in ADP. Prosperity Bank is an Equal Opportunity Employer. POSITION PURPOSE Analyze and conduct systematic loan reviews of commercial loan relationships to ascertain adequacy of credit quality and compliance with established policies. Identify credit risk and assign a credit risk grade. ESSENTIAL FUNCTIONS AND BASIC DUTIES Analyst completes Loan Reviews independently. Perform loan reviews of existing commercial loans: Compile & input loan and financial data obtained from loan system and file documents into individual loan review forms. Perform cash flow adequacy analysis, balance sheet analysis, trend analysis, collateral valuation adequacy analysis, and other credit quality assessments relevant to the credit grade determination of the loan(s). Recommend credit risk grades and provide supporting reasons. Identify documentation and policy exceptions in the individual report Spreading and analysis of commercial financial statements & tax returns of existing loan customers as well as personal financial statements and tax returns of related guarantors when needed. Review Loans at time of Approval/Origination for Risk Grade appropriateness. Assist with quarterly board loan review meeting preparation: Collecting reviews into shared folder, creating cover page listing of reviews, compiling report of exceptions from the reviews, compiling exception trend reports, etc. Assist with analysis, monitoring, and grade changes using ‘target-risk’ loan data reports. Other duties as assigned SUPERVISORY RESPONSIBILITIES: This role has no supervisory responsibilities. QUALIFICATIONS Education/Certification: Bachelor’s Degree in Business Administration, Accounting or Finance with a minimum of 12 hours of accounting Required Knowledge: Experience Required: A minimum of 2 years’ experience in commercial credit areas of banking is preferred. Skills/Abilities: Must be analytical and detail oriented. Working knowledge of Excel, MS Word, and database applications. Ability to learn new software applications. Good oral and written communication skills. Ability to learn and adhere to policies, procedures, and compliance regulations. Work productively under direct supervision as well as independently PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION Talking: Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly. Average Hearing: Able to hear average or normal conversations and receive ordinary information. Repetitive Motion: Movements frequently and regularly required using the wrists, hands, and/or fingers. Average Visual Abilities: Average, ordinary, visual acuity necessary to prepare or inspect documents or products or operate machinery. Physical Strength: Sedentary work; sitting most of the time. Exerts up to 10 lbs. of force occasionally. (Almost all office jobs.) WORKING CONDITIONS None: No hazardous or significantly unpleasant conditions (such as in a typical office). MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION Reasoning Ability: Ability to apply logical or scientific thinking to define problems, collect data establish facts and draw conclusions. Able to interpret a variety of technical instructions and can deal with multiple variables. Mathematics Ability : Strong math skills including ability to balance accounts; add, subtract, multiply, and divide in all units of measure using whole numbers, common fractions, and decimals; locate common mathematical errors. Language Ability: Ability to read periodicals, journals, manuals, dictionaries, thesauruses, and encyclopedias. Ability to prepare business letters, proposals, summaries, and reports using prescribed format and conforming to all rules of punctuation, grammar, diction, and style. Ability to conduct training, communicates at panel discussions, and make professional presentations. Monday- Friday: 8:00am-5:00pm 40 hours a week

Keywords: Prosperity Bank, Victoria , Commercial Credit Risk Review Analyst - Bellaire or Victoria, Accounting, Auditing , Victoria, Texas