Credit Analyst

Overview

This role supports credit risk underwriting by managing a portfolio of corporate obligors and producing detailed credit analysis to inform rating assignments and underwriting strategy.

Responsibilities

• Manage a credit portfolio across diverse companies, including public and private obligors, investment grade and non-investment grade credits, and middle market to large corporate exposures.
• Perform comprehensive financial statement analysis to assign company credit ratings and recommend underwriting strategy.
• Review credit and financial information to arrive at appropriate credit ratings, including:
  • financial statements
  • tax returns
  • due diligence reports
  • credit bureau information
  • appraisals
  • internal credit information
  • industry research and peer data
• Prepare and present complex credit recommendations for large exposures and strategically important credits to senior credit management and other stakeholders in a credit committee setting.
• Develop and maintain relationships with treasury and finance teams to obtain financial data, review performance, and discuss business forecasts.
• Author industry sector outlooks to identify underlying market trends.
• Produce qualitative and quantitative written credit analysis for credit decisioning.

Requirements

• Bachelor’s degree in Business Administration or Finance; MBA preferred
• 3–5 years’ experience in banking, insurance, or other financial institutions
• Demonstrated experience evaluating corporate financial statements of both public and private companies
• Experience using ratings platforms for company research, financial data, and credit analysis
• Strong analytical and critical thinking skills
• Strong verbal and written communication skills, including the ability to explain complex financial information
• Proficiency in Microsoft Excel for data analysis and reporting
• Familiarity with Generative AI tools for research, data insights, and general productivity

Preferred Qualifications

• Prior fundamental credit training, including financial statement analysis

Compensation & Benefits

Total Compensation Range: $80,000–$95,000

• Placement within the range is based on relevant experience, skills for the role, and location. Salary ranges are one component of the total compensation package.

Benefits include:

• Competitive compensation
• Annual bonus eligibility and/or commission structure opportunities
• 401(k) discretionary match of up to 6%
• Flexible work schedules
• Health and wellness benefits
• Paid time off for vacation, illness, Birthday Day Off, and Volunteer Day Off
• Tuition Reimbursement
• Family care resources, including fertility and adoption benefits

Location

North America (placement within the provided compensation range is based on location).