Credit Analyst

About the role

As a Credit Analyst, you will play a critical role in supporting the Lending team by analyzing financial data, loan documentation, and risk profiles of current and prospective borrowers. Reporting to the Chief Lending Officer, you will ensure that credit decisions are informed, compliant, and aligned with the Bank’s standards. This role provides an opportunity to interact with commercial real estate clients as a secondary point of contact, contributing directly to sound lending practices and strong client relationships.

Requirements

• Key Responsibilities
• Gather, analyze, and interpret credit information, leases, real estate appraisals, and investigative reports to assess creditworthiness of borrowers.
• Prepare comprehensive credit analysis packages and loan requests for review by the Internal Loan Committee.
• Review and monitor Commercial Real Estate Loan documentation at inception and throughout the loan lifecycle, including annual reviews.
• Assign and update credit risk ratings, ensuring timely tracking of reports, appraisals, and financial statements.
• Draft correspondence with clients to request financial information and support loan processing.
• Enter loan details into departmental systems, preparing recommendations for term sheets and loan offerings.
• Maintain compliance with all lending policies, regulatory requirements, and the Bank Secrecy Act/CIP procedures.

About The Candidate

• You are detail-oriented, analytical, and highly organized.
• You enjoy working with financial data and take pride in accuracy and thoroughness.
• You balance technical expertise with strong communication skills, building trust with colleagues and clients alike.
• You thrive in a structured environment, adhering to regulatory standards while contributing to a client-focused lending process.
• You have an associate’s degree or equivalent; a bachelor’s degree in finance, accounting, or related field is preferred.
• You have minimum of 2 years of banking experience with formal credit training.
• You have strong knowledge of Microsoft Excel and Word; familiarity with lending software systems is preferred.
• You have excellent written and verbal communication skills.
• You have the ability to interpret financial statements, credit reports, and appraisal documentation.
• You have strong organizational and time management skills with attention to detail.

Benefits

• Health, Dental, Vision (85 - 90% Paid by the Employer Depending on Plan Selection)
• 401k w/ 3% Non-elective contribution + up to an additional 6% Match
• A&D&D, STD, LTD, GTL, Voluntary Life Insurance
• 13 Holidays, 15 Days of PTO