Full-Time
Credit Officer
Middle Market Houston
Posted on 12/13/2025
Texas Capital Bank
1,001-5,000 employees
Texas-focused, full-service financial services bank
No salary listed
Company Does Not Provide H1B Sponsorship
Houston, TX, USA
In Person
 Finance & Banking (1) |
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- Bachelor’s degree in finance, accounting, or related field; MBA, CPA, CFA or equivalent designations preferred.
- Minimum of twelve (12) years of experience in a credit role with a focus on real estate, both commercial and residential, with demonstrated experience specific to both homebuilders and developers.
- Completion of a Formal Credit Training program or commensurate underwriting experience.
- Must possess a high level of motivation and initiative with the ability to perform in a fast-paced, collaborative environment and build working relationships across the organization.
- Excellent interpersonal and communications skills, both verbal and written, with ability to communicate policies, procedures and objectives effectively throughout the firm and to cultivate working relationships with banking teams and clients.
- High level of analytical skill to assess and manage areas of responsibility including determination of credit risk involved and making final approval decisions.
- Proficient in MS Office products (Teams, Word, Excel, PowerPoint).
- Understanding of products and services across the firm.
- Thorough knowledge of commercial loans, principles, policies, and practices.
- Knowledge of current lending laws and regulations.
- Proven leadership skills and a passion for financial services and delivering superior client experiences.
- Partners with line of business coverage team to provide recommendations on credit structure and potential risks.
- Assesses terms under which credit will be extended, including analysis of repayment and projected scenarios, covenants, and collateral requirements.
- Assures the integrity and proper documentation of individual credits approved as well as the assigned portfolio.
- Acts as a responsible steward of the firm’s capital, ensuring fidelity to risk management and underwriting standards.
- Ensures effective administration of the loan policies, programs, objectives and goals as they pertain to the firm, to include adherence to policy compliance requirements assessment of risk ratings in an accurate and timely manner.
- Stays informed on the latest trends and developments in financial and banking products, financial markets, and regulations.
- Expert ability to analyze and evaluate credit risk, with expert ability to escalate recommendations and influence change.
- Expert ability to interact, negotiate, and influence at executive levels internally and externally.
- Lead and/or support key initiatives to drive improvements in the delivery of credit solutions for clients and prospects.
- Provides leadership and development for Portfolio Management team.
- Accompanies coverage teams on client visits, when needed.
- May perform other duties as needed
- MBA, CPA, CFA or equivalent designations preferred
Texas Capital Bancshares, Inc. acts as the parent company for Texas Capital Bank, providing a full range of banking and financial services in Texas. Its offerings cover commercial banking for businesses, consumer banking, investment banking, and wealth management, delivered through branches and digital channels across Austin, Dallas, Fort Worth, Houston, and San Antonio. The bank uses a mix of its own technology and selected third‑party platforms to support client needs and efficiency, enabling customized financial solutions throughout a client’s life cycle. Its goal is to strengthen its position in the Texas banking market by growing scale and expanding its regional presence while serving commercial, consumer, investment, and wealth clients.
Company Size
1,001-5,000
Company Stage
IPO
Headquarters
Dallas, Texas
Founded
1998
Simplify's Take
What believers are saying
- MAP launches a fee-bearing mortgage-asset platform across financing and trading.[4]
- Amerisource and JPalmer deals deepen sponsor and specialty lending relationships.
- Investment banking and wealth management support cross-sell into ownership-transition clients.
What critics are saying
- Texas geographic concentration ties results to one state's economic cycle.[1][2]
- Credit quality has weakened, with rising charge-offs and non-performing assets.
- Specialized mortgage and energy lending increase underwriting and collateral volatility risk.
What makes Texas Capital Bank unique
- Dallas-based Texas lender with branches in five major Texas metros.[1][2]
- Serves businesses from sub-$25 million revenue to larger middle-market clients.[3][6]
- Combines commercial banking, investment banking, and wealth management under one brand.[4][7]
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Your Connections
People at Texas Capital Bank who can refer or advise you
Benefits
Health Insurance
Wellness Program
Life Insurance
Disability Insurance
401(k) Company Match
Paid Vacation
Paid Holidays
Unlimited Paid Time Off
Company News
Texas Capital has assigned a "Buy" rating to Strategy (formerly MicroStrategy) with a $200 price target, representing roughly 48% upside from current levels. The regional bank's analysts view the company's Bitcoin accumulation strategy as a long-term value driver as institutions increasingly adopt digital assets. Strategy currently holds significant Bitcoin reserves and has seen its stock decline over 59% in the past six months, trading near $135. The company posted a net loss of $12.4 billion in Q4, reflecting volatility in digital asset markets. Texas Capital projects Bitcoin will grow around 10% annually and expects Strategy to issue approximately $17 billion in capital in 2026. The firm noted Strategy's conservative balance sheet, with debt accounting for about 14% of capital and roughly $2.25 billion in cash reserves.
CB&I, the world's leading designer and builder of storage facilities, has upsized its senior secured credit facility from $295 million to $400 million. The facility, maturing on 4 December 2028, remains undrawn at closing, with the company maintaining no outstanding debt. The Texas-based company added three new top-tier banking partners to its lending syndicate: Crédit Agricole Corporate and Investment Bank, Wells Fargo and JPMorgan Chase Bank. Existing lenders include Citibank, Truist Securities, National Bank of Canada, Webster Bank, and Texas Capital Bank. The expanded capacity will support CB&I's long-term growth initiatives and provide financial flexibility for projects across its markets. The company, owned by a consortium led by Mason Capital Management, has completed over 60,000 structures throughout its 137-year history.
TERRE HAUTE, Ind., March 10, 2026 (GLOBE NEWSWIRE) - Hallador Energy Company (Nasdaq: HNRG) (“Hallador” or the “Company”) today announced that on March 5, 2026, the Company closed a $120 million Senior Secured Credit Agreement (the “Credit Agreement”) maturing on March 5, 2029, consisting of a $75 million revolving credit facility and a $45 million delayed draw term loan facility (collectively, the “Facilities”). The Company expects to use borrowings under the Facilities to refinance its prior credit facility and provide working capital. The Company also benefits by extending the Company’s debt maturity profile and enhancing overall liquidity. Borrowings may also be used to support strategic growth initiatives and for general corporate purposes. The revolving credit facility includes a $25 million sub-facility for letters of credit and a $10 million swingline sub-facility, and an accordion feature whereby the Company may request up to $25 million of additional incremental commitments,
Hallador Energy Company has closed a $120 million senior secured credit agreement consisting of a $75 million revolving credit facility and a $45 million delayed draw term loan facility, maturing on 5 March 2029. The revolving facility includes a $25 million sub-facility for letters of credit, a $10 million swingline sub-facility, and an accordion feature allowing up to $25 million in additional incremental commitments. The financing will refinance the company's prior credit facility with PNC Bank and provide working capital whilst extending the debt maturity profile and enhancing liquidity. Texas Capital Bank arranged the transaction and serves as administrative agent, with Old National Bank acting as joint lead arranger and First Financial Bank participating as a lender.
Texas Capital earns Best Bank award for Middle Market Banking in the U.S. (West). Published on Mar 03, 2026 DALLAS - March 3, 2026 - Texas Capital announced today that it has been named as a Best Bank - Likelihood to Recommend for Middle Market Banking in the U.S. (West) by Crisil Coalition Greenwich, recognizing the firm's approach to serving middle market companies through its client-focused, full-service banking platform. Texas Capital serves small business, middle market and corporate clients across industries and geographies through a comprehensive banking platform designed to support them as they grow and evolve. The firm's relationship-driven mission emphasizes long-term partnership, local decision-making and access to a broad range of financial capabilities under one roof. "This recognition reflects the strength of our platform and our relentless focus on serving middle market clients in Texas and beyond," said Texas Capital Chairman, President & CEO Rob C. Holmes. "As Texas continues to attract people, businesses and investment at an unprecedented pace, we remain the only full-service financial institution headquartered in Texas built to support companies at every stage of growth." Crisil Coalition Greenwich is a leading provider of strategic benchmarking, analytics and insights to the financial services industry. Crisil Coalition Greenwich selects honorees from small business and middle market banking customer evaluations to identify banks that achieve statistically significant levels of client satisfaction relative to peers. To learn more about the Coalition Greenwich Awards program in U.S. Commercial Banking, please visit 2026 Coalition Greenwich Awards: Middle Market Banking in the U.S. Coalition Greenwich. About Texas Capital. Texas Capital Bancshares, Inc. (NASDAQ(R): TCBI), a member of the Russell 2000(R) Index and the S&P MidCap 400(R), is the parent company of Texas Capital Bank ("TCB"). Texas Capital is the collective brand name for TCB and its separate, non-bank affiliates and wholly owned subsidiaries. Texas Capital is a full-service financial services firm that delivers customized solutions to businesses, entrepreneurs and individual customers. Founded in 1998, Texas Capital is headquartered in Dallas with offices and financial centers in Austin, Houston, San Antonio and Fort Worth and has built a network of clients across the country. With the ability to service clients through their entire lifecycles, Texas Capital has established commercial banking, consumer banking, investment banking and wealth management capabilities. Deposit and lending products and services are offered by TCB. For deposit products, Member FDIC. For more information, please visit www.texascapital.com.