Credit Analyst
Tradition Capital Bank•Scottsdale, AZ
•$100,000 - $150,000•Onsite
About The Position
Tradition Capital Bank is seeking a Credit Analyst to join their growing team. This role focuses on underwriting experience and requires a strong foundation in credit, with an expectation of at least 5 years of credit analyst experience at a bank. Compensation and title are flexible and will be determined by the candidate's experience. The bank emphasizes a strong one-on-one relationship culture and a "One Team" approach, positioning employees for success and encouraging mutual support.
Requirements
- A role model for core values: Do the Right Thing, G.S.D. (Get Stuff Done), One Team, and Give Generously
- Demonstrated commitment to defect-free, timely, and caring customer service
- Able to perform at a high level in a fast-paced environment
- Flexible to change in a growing organization
- Detail-oriented and highly analytical
- Quantitative analysis skills
- Strong knowledge of financial statements
- Excellent verbal and written communication skills
- Knowledge of commercial and consumer lending, including C&I, CRE, residential mortgages and personal consumer loans
- Proficient at Microsoft Excel, Word, Outlook and PowerPoint; strong technical ability
- An independent, quick learner
- Able to prioritize and manage multiple projects/tasks
- Demonstrate a collaborative work style and respect for others
- Demonstrate self-motivation and present a resourceful work ethic
- Accountable for demonstrating compliance with the Bank Secrecy Act, Privacy of Consumer Financial Information and all other federal and state rules and regulations as it pertains to their position at the bank.
- Keep well informed as to market conditions as it relates to assessing risk in credit transactions.
- A Bachelor’s Degree from four-year College or University with emphasis on business, finance, accounting or statistics and a minimum of 5 years of experience in banking (commercial and consumer lending/credit analysis); or equivalent combination of education and experience.
Nice To Haves
- May have experience in Baker Hill spreading software, CoStar, and Fiserv or other Credit Risk Management Systems
Responsibilities
- Prepare financial spreads and credit presentations that summarize sources of repayment using a risk-based approach.
- Analyze and underwrite complex credits, including historical and projected business and personal cash flow, global cash flow, and collateral analysis.
- Understand and analyze the economic and competitive environment of the borrower and/or industry.
- Recommend appropriate covenants and monitor other structural and risk-mitigating components of credit accommodations.
- Maintain knowledge of the Bank’s Loan Policy.
- Assist lenders with ongoing credit administration and portfolio management, including periodic review of borrower reporting, updating ticklers, and monitoring accounts for compliance with reporting requirements and covenants.
- Set up and maintain electronic credit files.
- Read, review, and understand different loan documentation.
- Review documentation for all components of approved credit accommodations.
- Work collaboratively across credit and lending teams to identify opportunities for enhanced client service.
- Accompany lenders on client visits when necessary.
- Serve as a resource for other analysts and provide backup to fellow analysts.
- Provide prompt turnaround on customer and credit requests.
- Communicate the status of loans in process with lenders and/or credit managers.
- Work independently with minimal supervision and oversight.
- Demonstrate compliance with the Bank Secrecy Act, Privacy of Consumer Financial Information, and all other relevant federal and state rules and regulations.
- Stay informed about market conditions related to assessing risk in credit transactions.
Benefits
- Healthcare (medical with HSA, dental, and voluntary vision)
- Short-term and long-term disability
- Basic and voluntary life & AD&D insurance
- EAP – Employee Assistance Program
- Flexible spending accounts
- 401(k) with employer match; ability to purchase Bank stock through 401k
- Paid time off & paid holidays
- Family Care Reimbursement (up to $500 annually for 2026)
- Wellness Time (up to 2 hours/week)
- Keystone employee directed giving opportunities (annual Insight Trip opportunities, up to $500 for grants and double match dollars)
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
