Credit Analyst

Climate First Bank

11d•Remote

About The Position

Climate First Bank is seeking a mission-aligned Credit Analyst to analyze personal and business financials for prospective and existing loan customers, prepare comprehensive loan approval packages, identify policy exceptions, and recommend credit decisions to senior management and credit committees. The role also monitors existing loan portfolio performance, supports audit and examination due diligence, maintains loan-related databases, and uses Power BI to create loan reports. The Credit Analyst is expected to support the bank’s environmental, social, economic, and racial justice commitments; learn and follow bank policies, procedures, and regulations; protect the organization and its customers; and work closely with Compliance when suspicious or potentially fraudulent activity is identified. The position is remote and involves sustained sitting and standing, frequent communication and computer use, and occasional lifting of office files or equipment weighing up to 20 pounds.

Requirements

Bachelor’s degree required; Finance preferred.
Prior banking experience in credit analysis or underwriting.
Strong analytical thinking and ability to complete assignments with little oversight.
Ability to manage time, stay focused under pressure, adapt to changing routines, multitask, and maintain exceptional attention to detail.
Strong communication skills and the ability to defend recommendations tactfully and build relationships with internal and external stakeholders.
Knowledge of financial products and services and applicable credit and underwriting regulations and laws.
Ability to read, understand, and spread financial documents and reports.
Strong mathematical skills.
Proven Microsoft Excel skills.
Ability to learn new tools and use technology to optimize work product.
Team-oriented, dependable, and able to communicate clearly and contribute to shared goals.
Ability to perform sustained standing and sitting, frequent communication and computer use, and occasional lifting of office files or equipment up to 20 lbs.

Nice To Haves

Finance degree.
Familiarity with Power BI, or willingness to become familiar with it.

Responsibilities

Analyze personal and business financials for potential and existing loan customers.
Create comprehensive loan approval packages and identify policy exceptions.
Present recommendations to senior management and credit committees.
Monitor existing loan portfolio performance.
Assist in due diligence for audits and examinations.
Maintain loan-related databases.
Use Power BI to create loan reports.
Embody a commitment to environmental, social, economic, and racial justice.
Pursue education related to sustainability practices.
Follow established bank policies, procedures, and regulations.
Recognize and act on the importance of protecting the organization and its customers.
Question suspicious activity and collaborate with Compliance on investigation and processing of potentially fraudulent activity.
Stay informed about legal context and regulatory requirements and complete required web-based compliance and IT training.

Benefits

Annual bonus, incentives, and equity may be available in addition to base salary.
Employer-paid health coverage for employees, with an employer contribution for dependents.
Medical, dental, and vision insurance.
Health Savings Account (HSA).
Free telemedicine access via Teladoc.
401(k) with 6% employer match and no vesting period.
Employee stock options.
Exclusive employee banking perks.
0% financing for employee solar loans.
Employee-only mortgage product with exclusive interest rates and terms.
0% financing for eligible electric vehicles.
Referral incentives.
Two to four weeks of vacation based on officer level, plus additional tenure-based time.
64 hours of paid sick time for full-time employees.
Company-paid life insurance.
Short- and long-term disability insurance.
Voluntary life, accident, and critical illness coverage.
Employee Assistance Program with free counseling, legal, and financial services.