Credit Analyst

Essential Responsibilities

• Analyze financial statements, tax returns, and related credit information to assess borrower performance, repayment capacity, and overall credit risk.
• Conduct credit investigations and evaluate key risks, mitigants, structural considerations, and risk rating recommendations.
• Prepare comprehensive commercial credit memoranda and approval packages supported by financial modeling and cash flow analysis on loan relationships up to Executive level approval.
• Monitor financial reporting requirements and covenant compliance to support ongoing portfolio risk management.
• Maintain accurate financial spreading and documentation within nCino and Document Manager systems.
• Collaborate with loan officers and credit team members to support underwriting standards, workflow efficiency, and timely portfolio management.

Candidate Requirements

• 1 year of loan analysis or commercial lending experience required.
• Ability to adapt to growing business needs and structural changes.

Candidate Preferred Qualifications

• Bachelor’s degree in Accounting, Finance, or related field preferred.
• Strong understanding of Generally Accepted Accounting Principles (GAAP) and financial statement analysis.
• Ability to analyze commercial and consumer financial statements and tax returns for individuals and business entities.
• Proficiency in Microsoft Excel and Office Suite; experience with nCino and core banking systems (e.g., Horizon) preferred.
• Excellent analytical, organizational, and attention-to-detail skills.
• Strong written and verbal communication skills, with the ability to present analysis to loan committee and senior leadership.