Credit Analyst

Overview

This role is a Credit Analyst position supporting loan underwriting and portfolio performance. The organization offers a full suite of personal and business services, including solar, residential, commercial, ESOP Banking, Structured Finance, and SBA loans.

Responsibilities

• Analyze personal and business financials for potential and existing loan customers.
• Create comprehensive loan approval packages and identify any policy exceptions.
• Present credit recommendations to senior management and credit committees.
• Monitor required existing loan portfolio performance.
• Assist in due diligence processes for audits and exams.
• Maintain loan-related databases.
• Use Power BI to create loan reports.
• Embody the organization’s commitment to environmental, social, economic, and racial justice.
• Follow established bank policies, procedures, and regulations.
• Protect the organization and customers by identifying suspicious activity and collaborating with Compliance on investigation and processing of potentially fraudulent activity.
• Complete required web-based compliance and IT training and stay informed on legal context and regulatory requirements.

Requirements

• Bachelor’s degree required, preferably in Finance.
• Prior banking experience in Credit Analysis/Underwriting.

Preferred Qualifications

• Strong analytical thinking and the ability to complete assignments with little oversight.
• Ability to manage time effectively and stay focused under pressure.
• Exceptional attention to detail with the ability to see the big picture.
• Clear, professional communication in-person, on camera, phone, and chat.
• Strong understanding of financial products and services, along with applicable regulations and laws related to credit and underwriting.
• Ability to read, understand, and work with financial documents and reports.
• Strong proven Microsoft Excel skills; familiarity with Power BI or willingness to become familiar with Power BI.
• Dependability and willingness to operate as part of a larger team.

Compensation & Benefits

• Base salary plus potential for an annual bonus, incentives, and equity.
• Actual compensation is based on industry salary ranges, internal salary structures, experience, skills, and other job-related factors.

Benefits eligibility varies by employment status, and benefits for part-time employees may differ from those listed below.

• Health Coverage: 100% employer-paid for employees; employer contribution for dependents
• Medical, Dental & Vision Insurance
• Health Savings Account (HSA)
• Free Telemedicine access via Teladoc
• Financial Wellness & Wealth Building
• 401(k) with 6% Employer Match (No Vesting Period)
• Employee Stock Options
• Exclusive Employee Banking Perks
• 0% Financing for Employee Solar Loans
• Employee Only Mortgage Product with exclusive interest rates and terms
• 0% Financing for Eligible Electric Vehicles (EVs)
• Referral Incentives
• Paid Time Off: 2–4 Weeks of Vacation based on officer level plus additional tenure-based time
• 64 Hours of Paid Sick Time for all full-time employees
• Company-Paid Life Insurance
• Short- & Long-Term Disability Insurance
• Voluntary Life, Accident & Critical Illness Coverage
• Employee Assistance Program (EAP) with free counseling, legal, and financial services

Location

• Remote role.

Physical Requirements (What to Expect)

• Sustained standing and sitting.
• Frequent communication (speaking and listening) in person, via email, text, phone, or video chat.
• Frequent use of a PC, including typing or sustained attention to monitor.
• Occasional lifting of basic office files or equipment up to 20 lbs.

Equal Opportunity

The organization does not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. Reasonable accommodations are available for applicants’ and employees’ religious practices and beliefs, as well as mental health or physical disability needs.

E-Verify

This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S. If E-Verify cannot confirm authorization, the employer will provide written instructions and an opportunity to contact Department of Homeland Security (DHS) or Social Security Administration (SSA) to resolve the issue before the employer can take any action, including terminating employment. Employers can only use E-Verify once you have accepted a job offer and completed the Form I-9.