Job Details

The Credit Analyst is responsible for accurately and efficiently analyzing, underwriting, and documenting commercial and/or consumer loan requests, including new credit extensions, renewals, and periodic credit reviews. The Analyst works closely with frontline lending staff to provide timely credit support, develop a clear understanding of borrower financial performance, identify potential risks, and assess the overall credit quality of each request. This position reports directly to the Senior Credit Analyst.Key Responsibilities Analyze and underwrite loan requests in accordance with the Bank's credit policies, procedures, and risk standardsPrepare clear, well-supported written credit presentations, including spread financial statements, cash flow analysis, collateral evaluation, and risk assessmentPartner with lenders to ensure timely responses and efficient workflow while maintaining strong credit disciplineIdentify and communicate key credit risks, trends, and mitigating factorsParticipate in new money requests, renewals, and periodic credit reviewsEnsure all credit documentation is accurate, complete, and in compliance with internal policies and regulatory requirementsMaintain a strong understanding of the Bank's risk appetite, loan portfolio, and credit cultureInteract regularly with lenders, credit leadership, and executive management as neededQualifications Bachelor's degree in finance, accounting, business, or a related field1–2 years of experience in a bank or financial institution requiredStrong analytical and financial analysis skillsExcellent written and verbal communication skillsSound judgment and decision-making abilities with strong attention to detailProficiency in financial statement analysis and basic credit conceptsWork Environment & Expectations Professional banking environment with regular interaction with lenders, credit leadership, and executive managementAbility to manage multiple priorities and meet deadlines in a fast-paced environmentCommitment to maintaining high standards of credit quality, regulatory compliance, and sound risk management practicesDemonstrated alignment with the Bank's credit philosophy and risk management cultureWe are an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, veteran status or any other characteristic protected by applicable law.#J-18808-Ljbffr