Sr Manager, Credit Analysis

Charles Schwab • Westlake, TX • 4h ago

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

What's in it for you:

At Schwab, we're committed to empowering our employees' personal and professional success. Our purpose-driven, supportive culture, and focus on your development means you'll get the tools you need to make a positive difference in the finance industry. 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

Schwab is an affirmative action employer, focused on employing and advancing in employment, qualified women, racial and ethnic minorities, protected veterans, and individuals with disabilities in the workplace. If you have a disability and require reasonable accommodations in the application process, contact Human Resources at applicantaccessibility@schwab.com or call 800-275-1281.

Go to Apply

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