Credit Analyst

Overview

SmartBiz Bank offers a broad range of business banking solutions to small businesses across the U.S., providing tailored services to support entrepreneurial growth and small business success.

Position Overview

The Credit Analyst is responsible for reviewing creditworthiness of individuals or businesses to determine the risk involved in lending money or extending credit for the bank's Commercial and SBA Lending divisions. Deals need to be sourced and reviewed to meet and exceed loan growth targets.

Essential Duties and Responsibilities

• Analyzes credit data and financial statements to identify the degree of risk involved in lending money or extending credit.
• Prepares Pre-Flight of the potential loan for Chief Credit Officer and Senior Management to determine if moving forward with a proposal and ultimately to underwriting meets with the Bank’s and management’s expectations along with the bank overall strategy.
• Aids in structuring the loan specifics.
• Prepares a deal checklist of items needed for credit submission for loan officer review.
• Works with multiple loan files in various stages of completeness to move them towards credit submission.
• Gathers all items needed for credit submission by following a pre-determined credit submission checklist.
• Interacts with the borrower to ensure all items are needed for a complete package.
• Collaborates with the loan officer and the customer to answer any additional questions necessary for loan approval.
• Maintains ongoing credit training.
• Manages and assists with various commercial and SBA lending underwriting transactions for approval.
• Organizes, prepares, and presents loan presentations to loan committee.
• Prepares annual loan file reviews.
• Maintains the loan portfolio and manages all ticklers and exceptions.

Who You Are

• 2+ years of experience in financial services.
• Strong knowledge of commercial banking underwriting, SBA small loan underwriting is a plus.
• Exceptional oral & written communication skills.
• Highly organized and detail-oriented.
• Bachelor’s Degree in Accounting, Finance, Economics, or a related field.
• Experience with Salesforce is a plus.

Opportunities & Benefits

• Competitive compensation — including salary, performance-based incentives (for certain roles), and equity participation in a fast-growing financial institution.
• Comprehensive benefits — 100% employer-paid medical, dental, and vision insurance for employees, spouses, and dependents. 100% employer-paid life and disability insurance, and an employee funded 401(k) retirement plan.
• Flexible vacation policy designed to promote rest, balance, and well-being.
• Inclusive, people-first culture — guided by our values of empathy, excellence, and bold innovation, with equal opportunities for all.

About SmartBiz Bank

SmartBiz Bank is committed to supporting small businesses through transparent and personalized banking services, fostering their growth and prosperity.