Sr Manager, Credit Analysis

Pay range:

USD $95,000.00 - $150,000.00 / Year

Your opportunity

At Charles Schwab, we're committed to empowering people to take ownership of their financial futures. Our culture is grounded in a client-first mindset, collaboration, and a shared commitment to doing what's right.

You'll have the opportunity to grow your career while working alongside talented colleagues in an inclusive, high-performing environment. We invest in your development, support your well-being, and provide the tools and flexibility you need to make a meaningful impact.

We believe in the importance of in-office collaboration and fully intend for the selected candidate for this role to work on site in the specified location(s): Westlake, TX

The Sr Manager, Credit Analysis will participate in complex credit underwriting and risk assessment for bank clients. Apply expertise in commercial credit, financial analysis, and loss mitigation to evaluate lending opportunities and manage portfolio risk.

Core Skills & Outcomes Credit Risk Assessment & Underwriting

• Evaluate complex credit opportunities by identifying risks and mitigation strategies.
• Apply sound judgment to balance risk and business growth objectives.

Financial Analysis & Decisioning

• Perform cash flow analysis using financial statements and tax returns.
• Deliver clear, data-driven credit recommendations.

Portfolio & Risk Management

• Assess portfolio risk across industries and economic cycles.
• Proactively identify emerging risks and mitigation actions.

Regulatory & Governance

• Ensure compliance with AML/KYC, regulatory, and internal policy requirements.
• Maintain strong documentation and risk discipline.

Influence & Execution

• Partner cross-functionally to drive underwriting decisions.
• Improve processes, tools, and operational efficiency.

Stakeholder Communication

• Communicate complex decisions clearly.
• Build trusted relationships across stakeholders.

What you have Required Qualifications

• 5+ years of commercial/private banking underwriting experience
• Strong analytical skills; restructuring/foreclosure experience
• Bachelor's degree

Preferred Qualifications

• Exposure to underwriting platforms
• Public equity and debt market knowledge

Schwab & Career Alignment

• Demonstrates client-first mindset, collaboration, accountability, and alignment to Schwab culture.

What's in it for you

At Schwab, you're empowered to shape your future. We champion your growth through meaningful work, continuous learning, and a culture of trust and collaboration-so you can build the skills to make a lasting impact. Our Hybrid Work and Flexibility approach balances our ongoing commitment to workplace flexibility, serving our clients, and our strong belief in the value of being together in person on a regular basis.

We offer a competitive benefits package that takes care of the whole you - both today and in the future:

• 401(k) with company match and Employee stock purchase plan
• Paid time for vacation, volunteering, and 28-day sabbatical after every 5 years of service for eligible positions
• Paid parental leave and family building benefits
• Tuition reimbursement
• Health, dental, and vision insurance