Credit Analyst Team Lead

German American Bank • Whitehall, OH

1d

About The Position

The Credit Analyst Team Lead provides leadership, oversight, and professional development for a team of Credit Analysts while supporting the bank’s commercial lending objectives. The role combines people leadership with advanced credit analysis to ensure high-quality underwriting, timely credit decisions, and compliance with credit policies and procedures. The position partners with Commercial Lending teams to evaluate borrower financial performance, identify risks and opportunities, provide industry insights, and promote consistent credit practices. It also contributes to process improvement and the development of credit risk management standards.

The team lead coaches and develops analysts, helps manage recruiting and performance activities, and sets team priorities and service standards. The role also analyzes and reviews commercial credit requests, monitors existing relationships and portfolio risks, communicates recommendations to lenders and credit leadership, and supports underwriting quality and operational efficiency.

Requirements

• Bachelor’s degree in Finance, Accounting, Economics, or a related field.
• Five to seven years of experience in commercial credit analysis, commercial lending, commercial banking, or a related financial services role.
• Demonstrated experience analyzing complex commercial credit relationships across a variety of industries.
• Strong understanding of financial statement analysis, cash flow modeling, credit risk assessment, and commercial loan structures.
• Advanced financial statement analysis, commercial credit underwriting, cash flow analysis, and debt service evaluation skills.
• Risk assessment, problem-solving, critical-thinking, attention-to-detail, and accuracy skills.
• Strong written and verbal communication skills, including the ability to explain complex financial concepts to diverse audiences.
• Professional judgment and decision-making, collaboration, relationship building, presentation, consultation, and active listening skills.
• Organization and time-management abilities, adaptability, and a process-improvement mindset.
• Proficiency in Microsoft Office Suite, including advanced Microsoft Excel skills.
• Experience using credit analysis software, financial spreading tools, and loan origination systems.
• Ability to use technology and reporting tools to improve analytical effectiveness and operational efficiency.

Nice To Haves

• Previous experience leading, mentoring, or developing team members.
• Bilingual or multilingual skills.

Responsibilities

• Lead, coach, and develop a team of Credit Analysts to support individual growth and departmental objectives.
• Assist with recruiting, onboarding, training, performance management, and career development activities.
• Establish and monitor team priorities, workload distribution, and service standards to ensure timely completion of credit requests.
• Foster a collaborative, accountable, and customer-focused work environment.
• Analyze commercial loan requests, including borrower financial statements, tax returns, cash flow, collateral, and repayment capacity.
• Assess the financial condition, operating performance, and risk profile of commercial borrowers and guarantors.
• Identify trends, strengths, weaknesses, and significant changes in borrowers’ financial performance.
• Prepare and review credit presentations, loan approval packages, annual reviews, and renewals.
• Ensure compliance with bank policies, procedures, regulatory requirements, and credit administration standards.
• Meet established service level expectations and underwriting deadlines.
• Advise commercial lenders and credit leadership with timely financial analysis and risk-based recommendations.
• Communicate financial results, credit risks, and mitigating factors to support sound lending decisions.
• Help lenders understand industry-specific financial considerations, operating trends, and market conditions affecting borrower performance.
• Maintain working relationships with lending teams and other organizational stakeholders.
• Monitor existing credit relationships for changes in financial performance, industry conditions, collateral values, and other risk factors.
• Ensure risk ratings accurately reflect the current condition of borrowing relationships.
• Support credit quality initiatives and portfolio monitoring activities.
• Participate in and lead continuous improvement initiatives to enhance efficiency, consistency, and credit quality.
• Support implementation of best practices in the credit underwriting process.
• Monitor departmental performance metrics and adherence to analysis and reporting deadlines.

Benefits

• Medical, dental, vision, short-term disability, long-term disability, and life insurance.
• 17 days of paid time off, 11 paid holidays, and bereavement leave.
• Education Assistance Program.
• Paid Parental Bonding Leave.
• Wellness benefits.
• Life event coverage.
• Service awards.
• Financial benefits including a 401(k) match and stock purchase plan.
• National and local discounts on computers, vacations, phones, retail shopping, and other purchases.
• Logo wear discounts.
• Free checking account, checks, and discounted bank services.

What This Job Offers

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