Credit Analyst

Overview

This position is responsible for conducting comprehensive credit analysis to assess the creditworthiness of potential and existing clients. The analyst evaluates complex financial information, prepares detailed reports, and provides recommendations regarding loan approvals, modifications, or denials. Collaboration with internal departments ensures compliance with lending policies and regulatory requirements.

Responsibilities

• Perform detailed credit analysis to evaluate the financial health and creditworthiness of individual and business clients seeking loans
• Review financial statements, tax returns, credit reports, and other relevant documents to assess risk and repayment capacity
• Generate and interpret financial ratios and conduct cash flow analyses
• Prepare comprehensive reports for management review
• Recommend credit decisions, structure loan terms, and document the rationale for recommendations
• Maintain accurate and complete credit files
• Ensure compliance with lending policies and regulatory standards
• Communicate regularly with clients, internal departments, and external partners to verify information, resolve issues, and facilitate loan processing
• Monitor existing credit relationships, evaluate ongoing creditworthiness, and suggest adjustments or risk ratings as necessary
• Coordinate with other departments and participate in risk management initiatives
• Manage multiple credit requests simultaneously, prioritize tasks effectively, and deliver high-quality work within designated timeframes
• Support onboarding and training of new credit analysts

Requirements

• Bachelor’s degree in Accounting, Finance, or related field of study required; specialized bank lending education/training
• 3 to 5 years of commercial credit underwriting experience, including commercial real estate and C&I lending
• Intermediate to advanced commercial real estate underwriting skills and experience
• Proficient in English (reading, writing, grammar) and mathematics
• Ability to manage a moderate workload with limited oversight
• Strong attention to detail
• Ability to work under strict deadlines
• Excellent interpersonal and communication skills
• Advanced organizational skills
• Financial analysis proficiency
• PC skills including Microsoft Office and financial software
• Thorough knowledge of current regulations
• Ability to train and mentor new personnel
• SBA and non-profit underwriting experience preferred

Compensation & Benefits

• Starting Salary: $85,000.00 (Negotiable upon Experience)
• Health insurance
• Retirement plans
• Paid time off
• Opportunities for career advancement
• Training programs, mentorship, and resources for professional growth
• Flexible scheduling options to support work-life balance

Location

Within the organization’s markets (location not specified in the posting).

Equal Opportunity

The employer is an Equal Opportunity Employer and is committed to creating a diverse and inclusive workplace where all qualified applicants receive consideration for employment regardless of race, color, religion, sex, age, disability, protected veteran status, national origin, sexual orientation, gender identity or expression, genetic information, or any other characteristic protected by applicable law.