Credit Analyst

Overview

This role involves analyzing commercial loan requests and preparing clear, accurate credit recommendations for a range of commercial clients and credit types, including commercial and industrial (C&I), investment commercial real estate, and small business lending. The Credit Analyst III supports the credit risk evaluation process by assessing complex requests, identifying material strengths and weaknesses, and communicating findings in a concise, well-supported manner.

In addition to performing credit analysis, this position serves as a resource on commercial credit topics and helps develop the capabilities of newer analysts through guidance, training, and mentoring. The role requires strong attention to detail, the ability to manage competing priorities, independent work, and effective collaboration with lending officers and, when necessary, customers.

Responsibilities

• Evaluate and document the risk factors associated with commercial loan requests, considering repayment capacity, borrower circumstances, collateral, and relevant supporting information.
• Analyze financial statements, tax returns, and other financial documentation to assess cash flow, financial condition, trends, and applicable financial ratios.
• Prepare accurate, concise, and well-organized loan approval reports within established timelines, presenting analysis and supporting conclusions.
• Review complex commercial credits and identify key strengths, weaknesses, and issues requiring follow-up or additional documentation.
• Perform collateral audits and loan reviews, documenting observations and supporting compliance with applicable lending standards.
• Present credit matters to the Corporate Loan Committee as needed and respond to questions with clear, well-supported analysis.
• Collaborate regularly with lending officers and communicate with customers when necessary to clarify credit information or documentation.
• Assist with training and mentoring credit analysts to promote consistent, high-quality work.
• Follow lending policies and comply with applicable regulations, internal procedures, and professional standards.

Requirements

• Bachelor’s degree in business, finance, accounting, or a related field.
• Strong understanding of commercial credit analysis, financial statements, and tax returns.
• Knowledge of commercial loan products and the ability to evaluate a range of borrower and collateral situations.
• Excellent analytical skills, sound judgment, and a high level of attention to detail.
• Strong written and verbal communication skills, including the ability to explain financial findings clearly.
• Proficiency with Microsoft Word and Excel.
• Effective time management and multitasking skills, with the ability to produce accurate work under deadlines.
• Flexibility to work late or nonstandard hours when business needs require.

Preferred Qualifications

• Five or more years of commercial credit, loan administration, or related experience.
• Small Business Administration (SBA) underwriting experience.

Compensation & Benefits

Eligible employees have access to benefits and resources designed to support well-being and professional growth. Benefit availability, coverage, and eligibility are determined by the applicable plan terms and employment policies. Candidates can discuss the current benefits package and position-specific details during the hiring process.

Equal Opportunity

This organization is an equal opportunity employer. Employment decisions are made in accordance with applicable laws and without discrimination based on protected status. Qualified applicants, including veterans and individuals with disabilities, are welcome.