Credit Analyst - Full Time (40 Hrs/Wk)

Location: 8329 Murphy Drive, Middleton, WI 53562, United States

Employee Type: Full‑Time Regular Exempt

Contact: Brittney Bierman – bbierman@incrediblebank.com

About the Role

This position develops commercial credit analysis and underwriting skills while supporting the evaluation of consumer and commercial lending relationships. Under policy guidelines, the analyst analyzes borrower financial information, cash flow, collateral, industry trends, market conditions, and other risk factors to assess creditworthiness and support sound lending decisions. The role performs credit analysis and underwriting for basic commercial and consumer credit requests, loan renewals, and annual reviews, building a foundational understanding of commercial underwriting principles, practices, and procedures.

Responsibilities

• Underwrite basic commercial credit requests and smaller new‑money lending opportunities within established authority and department guidelines.
• Perform financial spreading and analysis of borrower financial statements and tax returns to support underwriting and credit decisions.
• Analyze commercial and consumer loan requests, renewals, modifications, and annual reviews to assess creditworthiness and provide information that supports sound lending decisions.
• Evaluate financial statements, tax returns, cash flow, collateral, guarantor support, and repayment sources to determine borrower capacity, identify potential risks, and gauge repayment strength.
• Prepare loan presentation packages and supporting credit documentation for review and approval by senior analysts, management, and loan committees.
• Assess collateral support, guarantor strength, loan structure, and borrower performance to develop risk ratings, covenant structures, and monitoring recommendations.
• Develop and present underwriting recommendations for review by senior credit personnel and designated approvers.
• Conduct industry, market, and economic research to understand external conditions that may impact borrower performance, cash flow, and long‑term viability.
• Monitor assigned credit relationships for changes in financial condition, covenant compliance, collateral values, and other risk indicators to identify emerging concerns and support proactive portfolio management.
• Collaborate with lenders and relationship managers to gather information, evaluate financing alternatives, and support credit structures that balance customer needs and risk.
• Work on‑site at the Middleton branch; intermittent travel may be required based on business or customer needs.

Qualifications

• Bachelor’s degree in Finance, Accounting, Business or a related field and 0‑2 years relevant commercial credit/lending experience, or an equivalent combination of education and experience.
• Ability to create, review, and maintain spreadsheets, financial analyses, credit memoranda, and reports.
• Basic understanding of financial statements and accounting principles.
• Ability to learn and effectively utilize financial spreading, credit underwriting, loan origination, and other banking systems.
• Strong data‑management, organization, and reporting skills with attention to accuracy and detail.
• Professional communication skills with internal and external customers.
• High degree of resourcefulness and adaptability.
• Strong analytical and problem‑solving abilities.
• Ability to manage multiple priorities and deadlines.

Benefits

• Top‑tier benefits and competitive compensation (discussed up front).
• Over 30 days of paid time off per calendar year, including:
  • 18 days of PTO
  • Anniversary Holiday
  • Birthday Holiday
  • Wellness Holiday
  • 12 observed Bank Holidays
• Comprehensive total rewards package – see https://www.cbmicrosite.com/incrediblebank.

Schedule

Typical hours are between 8:00 am and 5:30 pm CDT, Monday through Friday. Schedule may vary within that window.

About the Company

IncredibleBank began in 1967 as River Valley Bank in Rothschild, WI, and has grown to a $2.0 billion‑asset institution with 17 brick‑and‑mortar locations serving customers in all 50 states. Recognized as one of America’s Most Innovative Banks by the Independent Community Bankers of America and certified as a Great Place to Work, the bank emphasizes an “Incredible Customer Experience” (ICE) and a culture of community focus, technology leadership, and employee appreciation.