Job Description

It’s about interactions more than transactions.

Are you ready to facilitate all the moving pieces to help deliver a top-quality experience? Have others complimented you on your attention to detail and exceptional organizational skills? Are you known for your ability to adapt in everchanging fast paced environments? If so, being a Senior Credit Risk Officer with Frost could be for you.

At Frost, it’s about more than a job. It’s about having a flourishing career where you can thrive, both in and out of work. At Frost, we’re committed to fostering an environment that reflects our values and encourages team members to be the best they can be. In joining our adaptable, integrity-driven team, you’ll become part of Frost’s over 150-year legacy of providing unparalleled financial services.

Who you are:

As a Senior Credit Risk Officer, you are our key support. You will be responsible for the review and approval of loans and credit limits, under little oversight, within various product areas for commercial banking relationships. You will evaluate the structure of the loan, ensuring an appropriate product type and level of credit is extended to the borrower with a credit approval limit of up to $20 million. You will also verify that proposed loan packages meet organization credit standards, reviewing for completion and accuracy. More than that, this role is about building relationships and doing so with integrity, caring, and excellence in mind.

What you’ll do: 

• Monitor various lending teams, groups of lending teams, and lines of business portfolios for credit risk issues, including but not limited to: 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 range across various product areas, including but not limited to: loans, treasury management, global trader services, and other exposures

• Expected to 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

Our Benefits:

At Frost, we care about your health, your family, and your future and strive to have our benefits reflect that. This includes:  

• 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 + more!

Since 1868, Frost has dedicated their expertise to provide exceptional banking, investment, and insurance services to businesses and individuals throughout Texas. Frost is one of the 50 largest U.S. banks by asset size and is a leader in banking customer satisfaction. At Frost, it’s about being part of something bigger. If this sounds like you, we encourage you to apply and see what’s possible at Frost.

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