Credit Analyst Jobs

About The Position

Requirements

• Three or more years of commercial credit analysis and underwriting experience.
• Strong accounting and financial statement analysis skills.
• Demonstrated analytical thinking and problem-solving ability.
• Experience building and working with financial models and advanced Excel-based analysis tools.
• Understanding of commercial lending practices, loan structures, and credit policy.
• Ability to manage multiple priorities while maintaining a high level of service and accuracy.
• Excellent written and verbal communication skills.
• Strong interpersonal skills with the ability to collaborate effectively across teams and business lines.
• Self-motivated with the ability to work independently while contributing to a team environment.
• Proficient with Microsoft Office products and other business applications.

Responsibilities

• Partner with Relationship Managers to analyze credit requests, assess risk ratings, support problem loan reporting, and complete other credit administration requirements.
• Review business financial statements, tax returns, and other financial information to evaluate borrower performance and creditworthiness.
• Prepare written credit authorizations and recommendations in accordance with Bank policies and procedures.
• Develop financial models, projections, and customized spreadsheets to analyze commercial borrowers and prospects.
• Prepare financial statement spreads and presentation materials used in credit analysis and loan decisions.
• Monitor existing credit relationships to ensure required documentation, covenant compliance, and ongoing risk assessments are completed.
• Perform compliance and risk management responsibilities as required.
• Support department projects and initiatives as assigned.
• Maintain regular and reliable attendance.

Benefits

• Health
• Financial
• Retirement
• Work/Life Benefits
• Annual bonus plan