Senior Credit Analyst

First Federal Savings Bank•Meridian, ID

7h•Onsite

About The Position

The Sr. Credit Analyst will prepare the detailed Credit Memorandum within First Federal’s commercial underwriting standards. They will spread financial data and prepare financial analysis for assigned commercial credit requests, form preliminary questions to drive underwriting and loan eligibility, and identify and assess potential risks associated with the credit, including financial, operational, and industry-specific risks. The role involves partnering with Commercial Loan Officers (CLO) throughout the underwriting process, performing credit risk analysis as requested by a CLO, including annual reviews, monitoring loan covenants, and assisting with asset classification. The Senior Credit Analyst will escalate concerns to CLO, supervisor, or Chief Credit Officer (CCO) and make recommendations regarding loan approval, denial, or modification based on the credit analysis. Other duties as assigned.

Requirements

A bachelor’s degree in accounting, finance, or equivalent.
Three (3) years’ experience working as a commercial credit analyst within a banking environment.
Driven: Hard-working, self-motivated, and strives for excellence.
Seeks opportunities to contribute, learn, and grow. Brings positive energy, initiative, and collaboration to help the team and Bank win.
Dedicated: Committed to the success of colleagues, customers, and the Bank.
Has a team-first attitude—caring more about the team’s success than personal recognition.
Follows through on commitments and takes ownership for results.
Engaged: Cares about their job and the Bank’s success.
Energetic, curious, and focused on their work and the Bank’s mission.
Collaborates with purpose and builds internal and external relationships.

Nice To Haves

Five (5) years’ experience working as a commercial credit analyst within a banking environment.
A master’s degree in accounting, finance or equivalent.
Professional Certification: CPA or CFA.

Responsibilities

Prepare the detailed Credit Memorandum within First Federal’s commercial underwriting standards.
Spread financial data and prepare financial analysis for assigned commercial credit requests.
Form preliminary questions to drive underwriting and loan eligibility.
Identify and assess potential risks associated with the credit, including financial, operational, and industry-specific risks.
Partner with Commercial Loan Officers (CLO) throughout the underwriting process.
Perform credit risk analysis as requested by a CLO, including annual reviews, monitoring loan covenants, and assisting with asset classification.
Escalate concerns to CLO, supervisor, or Chief Credit Officer (CCO).
Make recommendations regarding loan approval, denial, or modification based on the credit analysis.
Complete other duties as assigned.