Commercial Credit Analyst II

First Financial Bank • Bowling Green, KY

2d • Onsite

About The Position

The Commercial Credit Analyst II supports sound lending decisions by evaluating commercial credit relationships, analyzing financial performance, and providing recommendations to Commercial Lenders and credit leadership. The role reviews complex commercial credit transactions and supports lending opportunities in a collaborative, relationship-focused banking environment. The position is onsite in Clarksville, Brentwood, Murfreesboro, Lebanon, Chattanooga, or Knoxville, Tennessee, or Bowling Green or Lexington, Kentucky. It is full-time and salary exempt.

Requirements

• Bachelor's degree in Business Administration, Finance, Accounting, or a related field.
• Strong knowledge of commercial lending, financial statement analysis, cash flow evaluation, and credit underwriting principles.
• Advanced proficiency with spreadsheets, word processing applications, and financial analysis tools.
• Strong analytical, critical-thinking, problem-solving, and decision-making skills.
• Excellent written and verbal communication skills, including the ability to present financial information and credit recommendations clearly.
• Strong organizational skills, attention to detail, and commitment to accuracy in financial analysis and documentation.
• Ability to manage multiple priorities, meet deadlines, and exercise sound judgment in a fast-paced environment.
• Ability to work independently and collaborate effectively with Commercial Lenders, credit leadership, and other banking partners.
• Ability to review detailed financial information and documentation, maintain sustained concentration, and perform computer-based analytical work for extended periods.

Nice To Haves

• Five to ten years of credit analysis experience, including experience evaluating complex commercial credit transactions.

Responsibilities

• Evaluate financial statements, cash flow, credit reports, and other financial information for new, renewed, and existing commercial loans to assess creditworthiness and repayment capacity.
• Develop financial analyses, reports, summaries, and recommendations to help Commercial Lenders and credit leadership evaluate lending opportunities.
• Compile credit packages for Loan Committee consideration and assist with Board of Directors presentations and reporting as needed.
• Review credit requests for compliance with underwriting guidelines, lending policies, and applicable regulatory requirements.
• Review and update commercial loan files, financial statements, accounts receivable information, and supporting documentation for accuracy and completeness.
• Provide technical guidance and analytical support to Commercial Lenders and other banking partners.
• Conduct credit inquiries, review existing relationships, and maintain compliance tracking and reporting.
• Maintain knowledge of commercial credit analysis practices, underwriting standards, banking regulations, and industry trends.

Benefits

• Medical, dental, and vision insurance.
• Employer-paid life and disability insurance.
• 401(k) match.
• Employee Stock Ownership Program (ESOP).
• Banking benefits.
• Paid time off, including 11 Federal Reserve bank holidays.
• Tuition assistance.
• Professional development programs.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level