Credit Analyst II

About the role

You are a skilled credit analyst with a passion for uncovering insights and making sound credit decisions. As a Credit Analyst II, you’ll play a critical role in evaluating complex loan requests, assessing risk, and providing strategic recommendations that shape our lending decisions. You’ll have the opportunity to work on high-level credit analyses, mentor junior analysts, and collaborate with key stakeholders to drive results.

Responsibilities

• Financial Analysis & Loan Underwriting – Reviewing and analyzing financial statements for complex borrowers, determining additional information needs, and maintaining loan request status updates.
• Credit Approval Documentation – Preparing detailed credit approval documents, and assessing strengths, weaknesses, conditions, and financial projections to support lending decisions.
• Credit & Financial Investigation – Researching borrower creditworthiness using credit bureaus, industry trends, and financial sources, ensuring underwriting data is current and comprehensive.
• Anual Credit Reviews & Risk Assessment – Conducting timely annual reviews, assigning appropriate risk ratings, and updating internal records to ensure compliance with loan policies.
• Risk Rating & Credit Approval – Assisting in risk rating assignments, providing recommendations for adjustments, and exercising credit approval authority within policy guidelines, including participation in credit committees.
• Client Relationship & Business Development – Partnering with lenders to meet with clients, assessing business operations, addressing underwriting inquiries, and promoting banking products and services.

Requirements

• Education & Experience – You will need a Bachelor’s degree in Accounting, Finance, or a directly related field AND 2-4 years of previous related experience and/or training.
• Skills – You should possess well-developed abilities and a proven track record in the following areas:
• Developed analytical and critical thinking skills with the ability to identify strengths and mitigate risks.
• Excellent organizational skills and attention to detail.
• Proficient in conducting thorough research.
• Effective verbal and written communication skills.
• Knowledgeable of Accounting Standards and experience working with tax returns.

Key Competencies

• Manages Complexity: Analyzes situations, gathers data, and evaluates options to solve complex problems effectively.
• Instills Trust: Maintains integrity, follows through on commitments, and earns credibility through consistent actions.
• Interpersonal Savvy: Builds positive relationships across levels, functions, and cultures with diplomacy and tact.
• Manages Ambiguity: Navigates uncertainty with confidence, makes decisions without complete information, and remains calm and effective in dynamic situations.
• Drives Results: Achieves goals despite challenges and motivates others to deliver strong outcomes.
• Nimble Learning: Adapts quickly, explores solutions, embraces new challenges, and learns from mistakes.

Why C&N?

• Achieve & Grow: Your success is our success. At C&N, you’ll grow alongside our customers as we work together to achieve meaningful goals.
• Learn & Develop: Collaboration is at the heart of what we do. You’ll learn from and with your teammates, fostering both personal and professional growth.
• Contribute & Be Rewarded: Your contributions make a difference, and we recognize your impact through competitive rewards and career advancement opportunities.
• Share & Celebrate: Together, we give back and celebrate the milestones that matter to our communities. We’re proud of our award-winning workplace culture, recognized repeatedly with the NBRI Circle of Excellence Award.

Benefits

• Paid Time Off: Generous vacation, personal, sick, family sick, and community service leave.
• Retirement Savings: 401(k) with pre-tax and ROTH contribution options and a safe harbor match, plus an Employee Stock Ownership Plan (ESOP).
• Health & Wellness: Health, dental, and vision coverage, including employer-paid premium options for employee-only coverage. Health Savings Account (HSA) and Flexible Spending Accounts (FSAs) for medical and dependent care.
• Employer-paid life and disability insurance.
• Additional voluntary coverages to meet your unique needs.
• Career Development: Access to education and development programs and ongoing support for personal and professional growth.