CREDIT ANALYST I
About The Position
The Credit Analyst is responsible for evaluating the creditworthiness of commercial and consumer loan applicants through detailed financial analysis, risk assessment, and ongoing portfolio monitoring. This position supports lending staff by providing accurate, timely, and well-documented credit analyses to assist in sound lending decisions. The role plays a key part in maintaining the overall quality of the bank’s loan portfolio while supporting the bank’s mission of building strong customer relationships and managing risk effectively. This role is expected to consistently demonstrate the bank’s core values: Courage – ”We stand with Courage to overcome challenges by aligning our actions with our values.” Compassion – ”We embody Compassion through empathy and acts of kindness.” Wisdom – ”We offer our collective Wisdom in service of others.”
Requirements
- Detailed financial analysis
- Risk assessment
- Ongoing portfolio monitoring
- Accurate, timely, and well-documented credit analyses
- Assessment of collateral adequacy
- Review of appraisals, borrowing base certificates, and other supporting documentation
- Identification of strengths, weaknesses, and key risk factors
- Structuring credit facilities
- Performing annual reviews, renewals, and ongoing monitoring
- Tracking covenant compliance
- Loan grading and risk rating accuracy
- Compliance with internal loan policy, regulatory expectations, and underwriting standards
- Support for audits, loan reviews, and regulatory examinations
- Maintenance of organized and complete credit files
- Preparation for loan committee
- Staying current on industry trends, economic conditions, and regulatory changes
Responsibilities
- Analyze financial statements, tax returns, cash flow statements, and other financial data to assess borrower creditworthiness.
- Prepare detailed credit memorandums, including risk ratings, financial trends, and repayment capacity analysis.
- Spread and analyze financial statements using bank-approved software and systems.
- Assess collateral adequacy and review appraisals, borrowing base certificates, and other supporting documentation.
- Identify strengths, weaknesses, and key risk factors associated with each credit request.
- Partner with lenders to structure credit facilities that align with borrower needs and the bank’s risk appetite.
- Perform annual reviews, renewals, and ongoing monitoring of assigned loan relationships.
- Track covenant compliance and identify exceptions or deteriorating credit conditions.
- Assist with loan grading and risk rating accuracy across the portfolio.
- Ensure all analyses comply with internal loan policy, regulatory expectations, and underwriting standards.
- Support internal and external audits, loan reviews, and regulatory examinations by providing requested documentation and analysis.
- Maintain organized and complete credit files and supporting documentation.
- Participate in loan committee preparation as needed.
- Stay current on industry trends, economic conditions, and regulatory changes impacting credit risk.
- Perform other duties as assigned by management.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Education Level
No Education Listed
