Junior Credit Analyst

COMMUNITY BANK • Washington, PA

5d

About The Position

The Junior Credit Analyst supports the Bank’s commercial credit underwriting process through financial analysis, credit investigation, risk assessment, and portfolio monitoring. The role assists with financial statement spreading, tax return and cash flow analysis, collateral review, and preparation of commercial credit presentations. Working under the guidance of senior credit personnel, the analyst contributes to sound credit decisions while developing foundational underwriting and portfolio management skills. The position operates within established policies and has limited decision-making autonomy, with no supervisory responsibilities.

The position is generally performed in a professional, climate-controlled office setting within a financial institution, including possible branch, administrative, and client-facing areas. It uses standard office equipment, requires confidentiality and professionalism, and includes periodic planned travel to other branches or offsite venues. The Bank maintains a standard 40-hour work week, with availability during core business hours of 8:00 a.m. to 5:00 p.m. essential; some schedule flexibility is required based on location assignments.

Requirements

• Bachelor’s degree in finance, accounting, or a related field required.
• Foundational understanding of accounting principles and ability to apply established procedures.
• Working understanding of financial statements, financial ratios, and risk management principles.
• Ability to calculate and interpret credit metrics, including DSCR, leverage, liquidity, and cash flow analysis.
• Proficiency in Microsoft Office Suite, with advanced Excel proficiency.
• Strong organizational skills and attention to detail, with a high level of accuracy.
• Strong communication, interpersonal, analytical, mathematical, and critical-thinking skills.
• Ability to work independently and collaboratively with colleagues across departments while maintaining a professional demeanor.
• Ability to adapt to a dynamic environment where priorities may shift quickly.
• Ability to manage workload and prioritize tasks efficiently, meet goals and deadlines, and maintain quality.
• Ability to consistently attend work, meetings, required training, and staff events.
• Periodic planned travel to other branch locations or offsite venues is required.
• Ability to perform the described physical demands, including prolonged sitting or standing, routine walking, occasional reaching, bending and twisting, and lifting up to 10 pounds; reasonable accommodation may be made.

Nice To Haves

• 0–2 years of banking, accounting, financial analysis, or related business experience preferred.
• Demonstrated successful completion of coursework in accounting, finance, financial statement analysis, economics, or a related discipline.

Responsibilities

• Analyze personal and business financial statements, tax returns, credit reports, and other financial information to help evaluate borrower repayment capacity and creditworthiness.
• Calculate and analyze credit metrics, including leverage, liquidity, profitability, debt service coverage, and cash flow.
• Review borrowing requests for compliance with internal lending policies and credit standards.
• Analyze borrower financial performance trends and identify strengths, weaknesses, and emerging credit risks.
• Assist in evaluating collateral adequacy by reviewing appraisals, financial information, and collateral reports.
• Support preparation of credit memoranda with financial data, borrower background, and initial risk assessments.
• Collaborate with lending officers and relationship managers to collect documentation and clarify borrower information.
• Monitor loan covenants and financial reporting requirements for assigned accounts.
• Maintain organized credit files, financial statements, and underwriting documentation in accordance with audit and compliance standards.
• Learn and apply regulatory guidelines, internal credit policies, and industry best practices.
• Assist in tracking portfolio performance and identifying early warning signs of credit deterioration.
• Receive mentorship and training from senior analysts to develop proficiency in credit structuring and risk analysis.
• Assist with monitoring credit quality through covenant, portfolio trend, and borrower performance tracking.
• Assist with annual credit reviews, loan renewals, and periodic relationship assessments.
• Assist in developing risk ratings under supervision.
• Participate in underwriting discussions with lenders and credit administration personnel.
• Maintain compliance with federal, state, and internal lending regulations and Bank policies and procedures.
• Contribute ideas for process improvements that enhance operational efficiency and risk mitigation.
• Perform other duties as assigned in support of departmental goals and organizational priorities.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level