Credit Analyst

About the role

The Credit Analyst is responsible for conducting thorough financial and credit analysis on commercial and commercial real estate (CRE) loan requests, supporting sound lending decisions and risk management. The ideal candidate will have 3–5 years of experience in credit analysis within a banking environment, with exposure to both C&I and CRE underwriting (CRE will be the primary focus). This role involves preparing detailed credit presentations, collaborating with lending teams, and ensuring compliance with internal policies and regulatory standards.

Responsibilities

• Analyze and prepare financial summaries and credit presentations for new, renewed, and extended loans, with a focus on CRE but including C&I transactions as needed.
• Conduct in-depth reviews of borrower financial statements, tax returns, and cash flow models using advanced spreadsheet and credit analysis software.
• Assess creditworthiness by evaluating liquidity, management quality, market position, collateral, and overall business climate.
• Prepare and present objective credit recommendations to the Credit Analyst Manager and participate in loan committee discussions as needed.
• Ensure all credit analyses and loan structures comply with bank policies, regulatory requirements, and industry best practices.
• Monitor existing credit relationships for early identification of adverse trends and recommend appropriate actions.
• Collaborate with commercial lenders, relationship managers, and other departments to support business development and portfolio management.
• Assist in the ongoing enhancement of credit policies, procedures, and risk management practices.
• Stay current with regulatory changes (OCC, FDIC, FFIEC) and industry trends impacting credit risk and underwriting.

Qualifications

Education: Bachelor’s degree in finance, accounting, economics, or a related field from an accredited college or university, or equivalent work experience.

Experience: 3–5 years of credit analysis experience in a banking or financial institution. Experience underwriting both CRE and C&I loans preferred; CRE will be the primary focus. Formal credit training or relevant certifications (e.g., RMA, CFA) preferred.

Skills

• Strong analytical and synthesis skills with advanced proficiency in financial modeling and spreadsheet analysis.
• Knowledge of loan documentation, collateral types, and regulatory requirements.
• Proficiency with credit analysis platforms and Microsoft Office Suite.
• Excellent written and verbal communication skills.
• Ability to work independently and collaboratively within a team.
• Strong organizational skills and attention to detail.