Credit Analyst I

The Juniata Valley Bank (JVB) • Mifflintown, PA

2d • Onsite

About The Position

Juniata Valley Bank (JVB) is seeking a Credit Analyst to join our team at the Mifflintown Office in Mifflintown, PA. This Credit Analyst role offers the opportunity to build a meaningful banking career with a community institution that is Capable, Committed, Connected, and Caring. If you value purpose-driven work, collaboration, and professional growth, keep reading to learn why this Credit Analyst position at JVB may be right for you.

What the Credit Analyst Does Most of the Time

Approximately 90% of this Credit Analyst role focuses on analyzing and documenting credit information to support sound lending decisions. Core responsibilities include:
Analyzing financial statements, agency reports, and borrower data to assess credit risk
Preparing financial ratios, cash flow analysis, and written credit summaries
Reviewing appraisals and monitoring construction loans, as assigned
Ensuring credit files are complete and compliant with Bank policies and regulatory requirements
Collaborating with loan officers and management to support portfolio reporting and lending decisions
If you enjoy meaningful interactions, value a positive work culture, and want to develop your skills in a setting that supports long-term growth, this Credit Analyst role offers a rewarding opportunity.

Applying is simple. Visit www.jvbonline.com, click Careers at the top, then current list of our open positions, which will direct you to our partner site to select the position and complete the application. We look forward to considering you for our Credit Analyst opening!

Requirements

• Bachelor’s degree in accounting, Finance, Economics, or a related field preferred
• Strong financial and credit analysis skills with basic accounting knowledge
• Analytical, detail-oriented, and problem-solving abilities
• Ability to work independently and collaboratively in a team environment
• Strong communication and interpersonal skills
• Commitment to JVB’s 4C values — Capable, Committed, Connected, and Caring

Nice To Haves

• Prior experience in credit analysis, underwriting, accounting, or commercial lending preferred

Responsibilities

• Analyzing financial statements, agency reports, and borrower data to assess credit risk
• Preparing financial ratios, cash flow analysis, and written credit summaries
• Reviewing appraisals and monitoring construction loans, as assigned
• Ensuring credit files are complete and compliant with Bank policies and regulatory requirements
• Collaborating with loan officers and management to support portfolio reporting and lending decisions

Benefits

• 401(k) plan with up to 4% employer match
• 3% annual retirement contribution (safe harbor contribution), regardless of employee contribution
• Paid Time Off (PTO)
• Volunteer Time Off
• Annual Bonus (EAIP) if goals are achieved

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Number of Employees: 11-50 employees