Sr Manager, Credit Analysis

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.

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

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

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

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

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

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

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

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

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