Credit Analyst Jobs

About The Position

Requirements

• Bachelor's degree in Finance, Accounting, Economics, or a related field.
• Five to seven years of experience in commercial credit analysis, commercial lending, commercial banking, or a related financial services role.
• Demonstrated experience analyzing complex commercial credit relationships across a variety of industries.
• Strong understanding of financial statement analysis, cash flow modeling, credit risk assessment, and commercial loan structures.
• Advanced financial statement analysis, commercial credit underwriting, cash flow analysis, and debt service evaluation skills.
• Ability to assess risk, solve problems, structure commercial loans, and exercise critical thinking.
• Attention to detail and accuracy.
• Strong written and verbal communication skills, including the ability to explain complex financial concepts to diverse audiences.
• Professional judgment, decision-making, collaboration, partnership-building, presentation, and consultation skills.
• Initiative, accountability, intellectual curiosity, and commitment to continuous learning.
• Organizational, time-management, and adaptability skills, with a process-improvement mindset.
• Proficiency in Microsoft Office Suite, including advanced Microsoft Excel skills.
• Experience using credit analysis software, financial spreading tools, and loan origination systems.
• Ability to use technology and reporting tools to improve analytical effectiveness and operational efficiency.

Nice To Haves

• Bilingual or multilingual.

Responsibilities

• Analyze commercial loan requests by evaluating borrower financial statements, tax returns, cash flow, collateral, and repayment capacity.
• Assess the financial condition, operating performance, and risk profile of commercial borrowers and guarantors.
• Identify trends, strengths, weaknesses, and emerging risks affecting borrower financial performance.
• Prepare accurate and comprehensive credit presentations, loan approval packages, annual reviews, and renewals.
• Ensure compliance with bank policies, procedures, regulatory requirements, and credit administration standards.
• Meet established service-level expectations and underwriting deadlines.
• Provide commercial lenders and credit leadership with timely financial analysis and risk-based recommendations.
• Communicate financial results, credit risks, and mitigating factors to support lending decisions.
• Help lenders understand industry-specific financial considerations, operating trends, and market conditions affecting borrowers.
• Maintain working relationships with lending teams and other organizational stakeholders.
• Monitor existing credit relationships for changes in financial performance, industry conditions, collateral values, and other risk factors.
• Ensure risk ratings accurately reflect the current condition of borrowing relationships.
• Support credit quality initiatives and portfolio monitoring activities.
• Mentor and serve as a resource to Credit Analysts.

Benefits

• Medical, dental, vision, short-term disability, long-term disability, and life insurance.
• 17 days of paid time off, 11 paid holidays, and bereavement leave.
• Education Assistance Program.
• Paid Parental Bonding Leave.
• Wellness benefits.
• Life event coverage.
• Service awards.
• Financial benefits, including a 401(k) match and stock purchase plan.
• National and local discounts on computers, vacations, phones, retail shopping, and other items.
• Logo wear discounts.
• Free checking account, checks, and discounted bank services.