Commercial Credit Analyst​/Junior Lender

Position Summary:

The bank is seeking a motivated Credit Analyst / Junior Lender to support the commercial lending team with credit analysis and underwriting while preparing for a future transition into a production-oriented lending role. This position offers the opportunity to work closely with experienced lenders, develop strong customer relationships, and gain hands-on experience in both credit and business development functions.

The role is ideal for a candidate with a strong foundation in commercial credit who is seeking a career path into relationship management and loan origination within a community banking environment.

Key Responsibilities:

• Assist in the analysis of commercial credit requests, including the review of financial statements, tax returns, collateral valuations, and cash flow projections.
• Prepare clear and concise credit presentations in accordance with bank policy and regulatory guidelines.
• Collaborate with senior lenders to structure loan proposals that meet client needs and manage credit risk effectively.
• Participate in customer and prospect meetings alongside senior lenders to gain exposure to business development activities.
• Monitor existing credits for covenant compliance, payment performance, and overall risk trends.
• Support portfolio management activities, including annual reviews and loan renewals.
• Maintain current knowledge of the bank’s credit policy, lending guidelines, and applicable regulatory requirements.
• Build strong working relationships with customers, prospects, and internal team members.
• Demonstrate initiative in developing the skills and knowledge necessary for a successful transition into a commercial lending role.

Qualifications:

• Bachelor’s degree in Finance, Accounting, Business, or related field.
• Minimum of 2 years of commercial credit analysis or underwriting experience in a banking environment.
• Strong understanding of financial statement analysis and commercial loan structures.
• Effective written and verbal communication skills, with the ability to present information clearly and professionally.
• High attention to detail and commitment to producing accurate work under deadlines.
• Proficiency with Microsoft Office Suite and commercial loan software systems.
• Self-motivated, team-oriented, and eager to learn the relationship management side of lending.

Why This Opportunity:

• Direct mentorship from experienced community bankers.
• Exposure to both credit and lending functions for a well-rounded career path.
• Strong focus on relationship banking and local decision-making.
• Opportunity for long-term career growth within the bank.
• Competitive compensation and benefits package.