Credit Analyst

strategic HR, inc.•Miamisburg, OH

22d•Onsite

About The Position

As the Credit Analyst, you will support the bank’s lending function with a strong focus on commercial lending. You’ll partner closely with lenders and the credit team to analyze financial data, assess risk, and help ensure sound credit decisions—while keeping lending operations running efficiently and compliantly.

Requirements

3+ years of experience in commercial credit or loan administration (community bank experience preferred)
Strong financial analysis, credit risk assessment, and problem-solving skills
Ability to interpret financial statements and identify potential risks or inconsistencies
High attention to detail with strong organizational skills
Ability to manage multiple priorities and work independently
Excellent communication and collaboration skills
Proficiency in Microsoft Office, especially Excel
High school diploma required

Nice To Haves

degree in Accounting, Finance, Business, or related field preferred

Responsibilities

Underwrite and analyze commercial loan requests, including financial spreading and risk grading
Prepare and review credit memos and loan presentations for accuracy and completeness
Evaluate financial statements, cash flow, and tax returns to assess borrower risk and trends
Assist with annual reviews of commercial clients and monitor changes in credit risk
Support centralized lending processes, including underwriting, documentation, and due diligence
Review loan documentation to ensure compliance with bank policies and regulations
Track and collect financial information from commercial clients
Assist with lien filings/releases, flood determinations, and insurance tracking
Support loan administration tasks, including escrow accounts and loan system maintenance
Balance general ledger accounts and process loan-related transactions
Prepare reports and support board-level loan presentations
Provide overall administrative and analytical support to the lending team