Credit Analyst

Primary Responsibilities

• Analyze financial statements, tax returns, credit reports, and other relevant documents to assess borrower creditworthiness.
• Aid in underwriting mortgage, commercial, SBA, and personal loans by preparing credit memos and risk assessments.
• Work closely with loan officers and senior credit analysts to ensure loan applications comply with bank policies and regulatory requirements.
• Maintain accuracy of loan documentation and reports in compliance with bank policies and regulatory guidelines.
• Support loan renewals, modifications, and portfolio management.
• Aids in preparation of SBA loan packages and reports.
• Gathers credit information for preparation of commercial loan packages.
• Tracks financial statements.
• Handles account receivable lines of credit and performs account receivable offsite reviews.
• Prepares allowance for Loan & Lease losses calculation and other reports for the Board.

Requirements

• Bachelor’s degree in Finance, Accounting, Economics, or a related field (or equivalent work experience).
• Strong analytical and problem-solving skills with keen attention to detail.
• Proficiency in financial statement analysis and basic accounting principles.
• Ability to work independently and collaborate with team members in a fast-paced environment.
• Effective written and verbal communication skills.
• Proficiency in Microsoft Office Suite, particularly Excel.
• SBA Loan Experience strongly preferred.
• Prior internship or experience in banking, finance, or credit analysis is a plus but not required.