Analyst

Job Summary

Susser Bank, a rapidly growing, entrepreneurial Texas regional bank, is seeking high-performing, early-career professionals for its 2027 Banker Development Program. This full-time, 100% in-office development program is designed for individuals who aspire to build a long-term career in commercial banking through rigorous credit training, meaningful transaction experience, executive mentorship, and hands-on exposure across the commercial lending platform.

Participants will gain exposure to the complete commercial lending lifecycle, including financial statement analysis, underwriting, approval, closing, servicing, annual reviews, portfolio management, and client relationship development. Analysts will develop technical credit skills while building professional judgment, communication abilities, and business acumen necessary to become future bankers, credit professionals, and the next generation of leadership at Susser Bank.

Key Responsibilities

Formal Credit Training

• Complete structured training in commercial lending, financial statement analysis, credit risk management, underwriting fundamentals, loan structuring, and portfolio management.
• Develop proficiency in financial spreading, cash flow analysis, global debt service calculations, covenant analysis, and risk identification.
• Build a strong understanding of Susser Bank credit policy, approval processes, regulatory expectations, and credit culture.

Transaction & Underwriting Support

• Analyze financial statements and perform credit analysis for new, renewal, and existing commercial credit relationships.
• Prepare clear, concise, and well-supported credit memoranda, financial spreads, risk assessments, and transaction summaries.
• Identify material credit risks and recommend appropriate transaction structures consistent with Bank policies and sound credit practices.
• Participate in borrower discussions, diligence activities, and underwriting reviews while gaining exposure to both Commercial & Industrial (C&I) and Commercial Real Estate (CRE) transactions.

Commercial Lending Lifecycle Exposure

• Support all phases of commercial lending, including origination, underwriting, approval, closing, servicing, annual reviews, renewals, modifications, and portfolio monitoring.
• Maintain accurate credit files and current financial information.
• Assist with portfolio management activities and ongoing risk monitoring initiatives.
• Develop a practical understanding of how credit, lending, loan operations, and servicing functions work together to support client relationships.

Cross-Functional Rotations & Networking

• Participate in rotational experiences across Credit Administration, Loan Operations, Portfolio Management, Lending, and other key business units.
• Collaborate with Bankers, Credit Officers, other bank departments and executive leadership.
• Participate in mentorship opportunities, leadership development activities, team-building events, and executive networking sessions.
• Gain exposure to multiple commercial banking career paths while developing a broad understanding of the Bank's business model.

Professional Development & Team Engagement

• Demonstrate ownership, accountability, and initiative in completing assignments.
• Seek and incorporate feedback to continuously improve technical and professional skills.
• Communicate effectively with team members and business partners across departments.
• Develop strong professional relationships throughout the organization.

Required Qualifications

• Bachelor's degree in Finance, Accounting, Business, Economics, or a related field.
• Minimum cumulative GPA of 3.3.
• Minimum of 9 semester hours of Accounting coursework.
• Demonstrated interest in commercial banking, credit analysis, financial analysis, or commercial lending.
• Strong analytical aptitude and ability to interpret financial information.
• Excellent written and verbal communication skills.
• Strong attention to detail, organization, and time management skills.
• Ability to manage multiple priorities in a collaborative, team-oriented environment.

Preferred Skills & Attributes

• Advanced proficiency in Microsoft Excel, including formulas, pivot tables, and financial analysis tools.
• Strong quantitative and problem-solving capabilities.
• Demonstrated leadership experience through academic, extracurricular, internship, or work-related activities.
• Intellectual curiosity and a desire to continuously learn.
• Professional maturity, accountability, and sound judgment.
• Ability to work independently while contributing to a team-oriented culture.
• Interest in pursuing a career within commercial banking and credit administration.

Susser Bank is an equal opportunity employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, or national origin.

Susser Bank participates in E-Verify.

Experience

Preferred

• Commercial Banking, Credit Analysis experience

Education

Required

• Bachelors or better in Accounting or related field

Behaviors

Preferred

• Team Player: Works well as a member of a group
• Dedicated: Devoted to a task or purpose with loyalty or integrity
• Detail Oriented: Capable of carrying out a given task with all details necessary to get the task done well

Motivations

Preferred

• Growth Opportunities: Inspired to perform well by the chance to take on more responsibility
• Entrepreneurial Spirit: Inspired to perform well by an ability to drive new ventures within the business
• Ability to Make an Impact: Inspired to perform well by the ability to contribute to the success of a project or the organization

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights (https://www.eeoc.gov/poster) notice from the Department of Labor.