Commercial Credit Analyst

About the role

We are seeking a Credit Analyst to join our team. This role will analyze personal and business financials, create comprehensive loan approval packages, make recommendations to senior management and credit committees, monitor loan portfolio performance, and support reporting.

Responsibilities

• Analyze Financials and Credit Requests
• Evaluate financial documents, reports, causalities, and scenarios with strong logic, context, and attention to detail.
• Apply sound mathematical, analytical, and big-picture thinking to support lending recommendations.
• Create comprehensive loan approval packages that clearly summarize credit analysis and recommendations.
• Identify policy exceptions and ensure documentation is accurate, complete, and organized.
• Present recommendations to senior management and credit committees with clarity and professionalism.
• Maintain reporting tools and loan databases with accuracy and consistency.
• Use Microsoft Excel and Power BI to create, update, and analyze loan reports.
• Complete assignments with limited oversight while exercising sound judgment on when to ask questions or escalate.
• Champion Our Mission, Protect What Matters
• Avoid suspicious activity and collaborate closely with the respective department(s) to help prevent fraudulent activity.

Requirements

• Bachelor’s degree required, preferably in Finance.
• Prior banking experience preferred.
• Experience analyzing financial documents and reports.
• Ability to communicate clearly in writing with the ability to interact effectively across customers, employees, and management.
• Experience Microsoft Excel skills required; Microsoft Power BI skills preferred.

Qualifications

• Entrepreneurial Self-Starter
• Organization & Efficiency
• Master Communicator
• Banking & Fintech Acumen
• Tech-Forward and Analytical Thinking
• Commitment to Being a Team Player

Skills

• Strong analytical and mathematical skills.
• Excellent communication and interpersonal skills.
• Proficiency in Microsoft Excel and Power BI.

Benefits

Climate First Bank offers a comprehensive, people-first benefits package that supports your health, finances, and work-life balance. This includes:

• Compensation: Base salary, annual bonus, incentives, and equity.
• Health Coverage: 100% employer-paid for employees; employer contribution for dependents by UsMedical, Dental & Vision Insurance.
• 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, 0% Financing for Eligible Electric Vehicles (EVs).
• Referral Incentives.
• Generous 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.
• Protection & Peace of Mind: 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.

Pay

Compensation is based on industry salary ranges, internal salary structures, experience, skills, and other job-related factors.

Schedule

Full-time position available.