Credit Analyst Team Lead

German American Bank • Owensboro, KY

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 promote high-quality underwriting, timely credit decisions, and adherence to credit policies and procedures.

The position partners with Commercial Lending teams by evaluating borrower financial performance, identifying risks and opportunities, providing industry insights, and promoting consistent credit practices. It also contributes to process improvement initiatives and the development of credit risk management 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, debt service evaluation, risk assessment, problem-solving, and commercial loan structuring skills.
• Strong written and verbal communication skills, including the ability to explain complex financial concepts to diverse audiences.
• Professional judgment, decision-making, presentation, consultation, collaboration, and relationship-building skills.
• Attention to detail, accuracy, organization, time management, 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, build partnerships 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.
• Intellectual curiosity and a continuous learning mindset.
• Adaptability and a process improvement mindset.

Responsibilities

• Lead, coach, and develop Credit Analysts to support individual growth and departmental objectives.
• Assist with recruiting, onboarding, training, performance management, and career development.
• 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 commercial borrowers’ and guarantors’ financial condition, operating performance, and risk profiles.
• 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 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 lending decisions.
• Help lenders understand industry-specific financial considerations, operating trends, and market conditions affecting borrowers.
• 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 underwriting best practices.
• 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.
• 401(k) match.
• Stock purchase plan.
• National and local discounts on computers, vacations, phones, retail shopping, and other goods and services.
• Logo wear discounts.
• Free checking account and checks, and discounted bank services.

What This Job Offers

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