Senior Credit Analyst

First Federal Savings Bank • Twin Falls, ID

7h • Onsite

About The Position

The Credit Analyst will prepare detailed Credit Memorandums within First Federal’s commercial underwriting standards. This role involves spreading financial data, preparing financial analysis for commercial credit requests, and forming preliminary questions to drive underwriting and loan eligibility. The analyst will identify and assess potential risks associated with the credit, including financial, operational, and industry-specific risks. They will 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), and escalate concerns to the CLO, supervisor, or Chief Credit Officer (CCO). Recommendations regarding loan approval, denial, or modification will be made 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.
• Reliable transportation to/from work.
• Ability to work and operate computer applications and equipment.
• Able to perform essential responsibilities of the job with or without reasonable accommodations.

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.

What This Job Offers

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