Credit Analyst

Fox Valley Savings Bank•Fond du Lac, WI

7d•Onsite

About The Position

We are seeking a detail-oriented and experienced Credit Analyst to join our dynamic banking team. This role offers an excellent opportunity to contribute to sound lending decisions and effective risk management by conducting comprehensive financial and credit analyses on a variety of loan requests. The ideal candidate will bring a strong background in credit analysis, with a primary focus on commercial real estate (CRE) and exposure to commercial and industrial (C&I) lending, supporting our commitment to responsible and strategic growth.

Requirements

Bachelor’s degree in finance, accounting, economics, or a related field from an accredited college or university, or equivalent work experience.
3–5 years of credit analysis experience in a banking or financial institution.
Experience underwriting both CRE and C&I loans preferred; CRE will be the primary focus.
Strong analytical and synthesis skills with advanced proficiency in financial modeling and spreadsheet analysis.
Knowledge of loan documentation, collateral types, and regulatory requirements.
Proficiency with credit analysis platforms and Microsoft Office Suite.
Excellent written and verbal communication skills.
Ability to work independently and collaboratively within a team.
Strong organizational skills and attention to detail.

Nice To Haves

Formal credit training or relevant certifications (e.g., RMA, CFA) preferred.

Responsibilities

Analyze and prepare financial summaries and credit presentations for new, renewed, and extended loans, with a focus on CRE but including C&I transactions as needed.
Conduct in-depth reviews of borrower financial statements, tax returns, and cash flow models using advanced spreadsheet and credit analysis software.
Assess creditworthiness by evaluating liquidity, management quality, market position, collateral, and overall business climate.
Prepare and present objective credit recommendations to the Credit Analyst Manager and participate in loan committee discussions as needed.
Ensure all credit analyses and loan structures comply with bank policies, regulatory requirements, and industry best practices.
Monitor existing credit relationships for early identification of adverse trends and recommend appropriate actions.
Collaborate with commercial lenders, relationship managers, and other departments to support business development and portfolio management.
Assist in the ongoing enhancement of credit policies, procedures, and risk management practices.
Stay current with regulatory changes (OCC, FDIC, FFIEC) and industry trends impacting credit risk and underwriting.
Support the evaluation and implementation of new credit analysis systems and technology.
Contribute to process improvement initiatives and support new business or technology projects.
Participate in training and knowledge-sharing within the credit team.
Perform other duties as assigned.
Embody the Bank’s Core Values: Demonstrate teamwork, respect, integrity, accountability, and a commitment to diversity in all interactions with colleagues, clients, and the community.
Contribute to the bank’s mission of 'Banking. Made Personal.' by delivering thoughtful and personalized financial analysis.
Help realize our vision 'To be the trusted lifetime financial partner of our customers, communities, and employees' by supporting prudent lending decisions and fostering long-term relationships.
Foster an inclusive, respectful, and growth-oriented workplace that reflects our dedication to continuous improvement and community engagement.