Credit Analyst II​/General Industries - Global Corporate & Investment Banking

Job Description:

This role is responsible for analyzing and interpreting a client’s credit worthiness, evaluating credit risks, and writing credit approval memos for annual renewals and new lending opportunities. The position involves monitoring and underwriting tasks and supporting key internal stakeholders to achieve successful execution of new transactions.

• Analyze client’s financial performance by comparing it to past performance, projections, and industry standards.
• Review financial statements, assess the client’s compliance with financial covenants, and renew risk ratings, while recommending changes as warranted.
• Assist in underwriting, credit risk analysis, negotiation, and closing of new or existing transactions, while adhering to all relevant policies and procedures.
• Evaluate transaction and relationship risk-adjusted profitability to facilitate the allocation of capital.
• Build projection models for the client (as needed) based on historical performance, industry forecasts, and other due diligence findings.
• Evaluate credit worthiness and provide analysis and decisioning on whether a client should receive a credit facility.
• Partner with Credit Officers, Corporate Banking, and Risk teammates to assess and deliver credit solutions.
• Monitor the client’s operating performance and financial condition, proactively identifying issues and opportunities.
• Deliver financial modeling, loan structure, industry, economic, and other analyses to team members to support the loan decision‑making process.
• Ensure adherence to credit policies, guidelines, procedures, and applicable regulatory requirements.

• 1+ years of relevant experience in credit analysis, banking, financial services, or a comparable analytical or risk‑focused role.
• Demonstrated working knowledge of financial and accounting concepts, with the ability to apply them in credit or financial analysis.
• Strong written and verbal communication skills, with the ability to clearly summarize financial performance, risks, and recommendations.
• Ability to effectively manage multiple priorities and deadlines in a fast‑paced, transaction‑oriented environment.
• Proficiency in Microsoft Excel, including use for financial analysis, modeling, and data review.
• Strong attention to detail and sound judgment when working within credit policies, procedures, and regulatory guidelines.

• Bachelor’s degree in finance, accounting, economics, or a related field.
• Experience supporting credit underwriting, risk rating, or loan approval processes.
• Exposure to financial modeling, cash flow forecasting, covenant testing, or profitability analysis.
• Familiarity with commercial lending products, credit policies, or relevant regulatory requirements.
• Experience partnering with relationship managers, credit officers, or risk teams.

• Analytical Thinking
• Financial Analysis
• Financial Forecasting and Modeling
• Profitability Analysis
• Research Analysis
• Attention to Detail
• Business Acumen
• Credit and Risk Assessment
• Underwriting
• Written Communications
• Collaboration
• Credit Documentation Requirements
• Recording/Organizing Information
• Collateral Management
• Loan Structuring

Shift: 1st shift (United States of America)

Hours Per Week: 40

Annualized salary range: $90,000.00 – $ (offers to be determined based on experience, education and skill set). The role is eligible for an annual discretionary incentive plan and standard industry‑leading benefits, including paid time off and other supports to employees.