Credit Risk Analyst

About the role

The Credit Risk Analyst II is responsible for the ongoing identification, analysis, and reporting of credit risk across the loan portfolio. This position confirms that risk ratings remain accurate over the life of the credit and verifies that emerging issues are identified and addressed. The Credit Risk Analyst II reports to the Chief Credit Officer and provides excellent service and support to team members and customers while demonstrating the Company’s values and supporting the mission.

Responsibilities

• Responsible for the identification, analysis, and reporting of credit risk across the loan portfolio
• Analyze borrower performance, collateral condition, and loan structure on an ongoing basis
• Assess reasonableness of existing risk ratings and identify delayed downgrades
• Identify emerging risks, adverse trends, and portfolio concentrations; prepare executive summaries that include evidence-based insights and recommendations
• Escalate material credit concerns in a timely manner
• Support, develop, and monitor corrective action plans for non-performing loans
• Evaluate covenant compliance and monitor effectiveness
• Lead the Credit Quality Review Committee
• Responsible for monitoring and maintaining the credit watch list
• Maintain strong internal controls and examination readiness within the credit risk function
• Partner with Chief Credit Officer to prepare responses to recommendations resulting from audits and examinations
• Identify opportunities for process improvement to enhance efficiency, documentation quality, and exam readiness
• Maintain professional and technical knowledge by attending educational workshops, reviewing professional publications, and establishing personal networks
• Attend training as requested
• Adhere to compliance with all federal bank regulations and laws, including those for consumer protection and the Bank Secrecy Act/Anti-Money Laundering Program
• Participate in outside community activities as required
• Perform other duties as assigned

Requirements

• Bachelor’s degree in finance, accounting, or related field
• 3 years of experience in commercial credit with previous banking experience preferred
• Strong knowledge of commercial underwriting (CRE, C&I, construction)
• Experience with risk rating systems and portfolio management
• Knowledge of regulatory expectations and examiner standards
• Advanced skills with Microsoft Office, including Excel
• Ability to apply technical knowledge and expertise to department policies and procedures
• Ability to work on multiple projects simultaneously while accomplishing daily tasks
• Effective verbal and written communication skills with strong presentation skills
• Excellent interpersonal skills
• Critical thinking, problem solving, and analytical skills
• High standards for integrity, honesty, professionalism, and work ethic
• Commitment to service excellence
• Ability to work independently while demonstrating excellent organization and follow-through
• Demonstrate flexible and efficient time management and ability to prioritize workload
• Ability and willingness to work with purpose and a strong sense of urgency
• Self-motivated, positive, and enthusiastic
• Self-starter with a strong desire to exceed expectations
• Maintain confidentiality and discretion
• Ability to effectively work in collaboration with others to achieve business objectives
• Willing to grow and be challenged

Benefits

We believe success should be acknowledged and celebrated. That’s why we offer an all-inclusive total compensation package, including:

• Generous ATO, personal days, and sick time
• Unique offerings such as the ability to combine accrued time with short-term disability for 100% pay
• Employee Assistance Program and Employee Care Fund for additional support
• Peer-nominated award ceremonies and an interactive digital rewards platform to recognize achievements
• Opportunities for development through mentorships, workshops, banking schools, and certifications
• Employee Stock Purchase program

We invest heavily in development through programs like School Bank, Banker Academy Program, and tailored growth opportunities because when our people grow, our customers thrive.