Credit Analyst

Are you the kind of person who likes numbers to make sense, enjoys digging into financial statements, and finds satisfaction in a well-built spreadsheet? If so, this may be a great place to start your banking career. We are looking for a Credit Analyst to join our credit team. This role is ideal for someone with an analytical mindset—curious, detail-oriented, and comfortable working behind the scenes to help the bank make sound lending decisions.

• Review business and personal financial information, including tax returns, financial statements, credit reports, and related loan documents.
• Prepare credit presentations, cash flow analysis, financial spreads, and other reports used in the loan approval process.
• Analyze balance sheets, income statements, trends, ratios, collateral values, repayment capacity, and overall credit risk.
• Work closely with lenders, credit officers, and loan support staff to gather information and complete accurate, timely analysis.
• Maintain organized credit files and support annual reviews, renewals, and ongoing portfolio monitoring.
• Learn the bank’s credit policies, procedures, loan documentation standards, and regulatory expectations.

• A bachelor’s degree in Accounting, Business Administration, Economics, or a related field.
• Coursework or internship experience involving accounting, financial statement analysis, or business analytics.
• Strong attention to detail and pride in producing accurate, well-organized work.
• Comfort working with numbers, spreadsheets, reports, and financial documents.
• Good judgment, curiosity, and the ability to ask thoughtful questions when something does not add up.
• Strong written communication skills and the ability to explain financial information clearly.

• Enjoy accounting, financial analysis, and understanding the story behind the numbers.
• Enjoy focused, analytical work that supports sound credit decisions.
• Like structure, accuracy, documentation, and solving problems using facts and data.
• Want to build a strong foundation in credit and risk analysis
• Are interested in a career path that could grow into senior credit analysis, credit administration, portfolio management, loan review, or risk management.

We’re committed to building long-term careers and relationships. You’ll enjoy competitive pay, comprehensive benefits—including medical, dental, vision, 401(k) with company match—paid holidays, PTO, and opportunities for growth. Become part of a team that values your expertise and invests in your future.