Credit Analyst Team Lead

German American Bank•Whitehall, OH

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, helping ensure high-quality underwriting, timely credit decisions, and adherence to established credit policies and procedures. The Team Lead partners with Commercial Lending teams by evaluating borrower financial performance, identifying risks and opportunities, providing industry insights, and promoting consistent credit practices. The role also contributes to process improvement initiatives and the ongoing development of credit risk management standards. The position leads and develops analysts; supports recruiting, onboarding, training, performance management, and career development; and manages team priorities, workload, and service standards. It also analyzes commercial loan requests, evaluates borrowers and guarantors, prepares and reviews credit presentations and approval packages, and monitors credit relationships and risk ratings. The Team Lead advises lenders and credit leadership, supports portfolio and credit-quality initiatives, and helps improve underwriting efficiency and consistency while ensuring compliance with bank policies, regulatory requirements, and credit administration standards.

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.
Ability to assess risk, solve problems, structure commercial loans, and exercise critical thinking.
Strong written and verbal communication skills, including the ability to explain complex financial concepts to diverse audiences.
Professional judgment and decision-making, effective presentation and consultation skills, and the ability to build relationships and collaborate.
Organization, time management, attention to detail, accuracy, active listening, and interpersonal effectiveness.
Proficiency in Microsoft Office Suite, including advanced Microsoft Excel skills.
Experience using credit analysis software, financial spreading tools, and loan origination systems.
Ability to leverage technology and reporting tools to improve analytical effectiveness and operational efficiency.
Ability to balance team leadership with technical credit expertise, partner effectively with lenders, drive process improvements, and contribute to sound credit decisions.

Nice To Haves

Previous experience leading, mentoring, or developing team members.
Bilingual or multilingual skills.
Adaptability, a process-improvement mindset, intellectual curiosity, and a commitment to continuous learning.

Responsibilities

Lead, coach, and develop a team of Credit Analysts in support of 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 by evaluating 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 for accuracy and completeness.
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 through timely financial analysis and risk-based recommendations.
Communicate financial results, credit risks, and mitigating factors to support lending decisions.
Help lenders understand industry-specific financial considerations, operating trends, and market conditions that affect borrower performance.
Maintain working relationships with lending teams and other organizational stakeholders.
Monitor 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 underwriting best practices.
Monitor departmental performance metrics and adherence to analysis and reporting deadlines.

Benefits

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