Credit Analyst

About the Role

Our company’s culture supports customers in achieving their financial goals and dreams. You will serve as a vital role in the commercial lending process, responsible for conducting high-level analyses on commercial/business loans. You will work closely with Commercial Lenders to prepare loan presentations for the Loan Committee, identify proposed loan terms, and determine if the request meets bank policy.

• Perform financial covenant calculations for compliance monitoring and exceptions required on customers within the bank.
• Manage required financial reporting, compliance certificates and other required reporting such as rent rolls, borrowing bases, and other loan agreement requirements for customers within the bank.
• Determine any violations within loan agreements for customers within the bank being monitored for credit committee.
• Perform financial analysis, complete annual review loan packages, and make recommendations on existing credits for risk grading and exposure limits.
• Perform regular loan portfolio reviews based on risk and/or size of all credit types (commercial, consumer, residential, equipment, SBA, mortgage, HELOC, participations, etc.) for asset quality, thorough and accurate documentation and compliance with relevant state and federal regulations.
• Determine credit worthiness by analyzing various commercial credit vehicles including financial statements (balance sheet, income statement, and statement of cash flow), commercial credit bureau reports (Dun & Bradstreet, Experian, Equifax), SEC filings, bond ratings, grants, tax returns, letters of credit, and budgetary information.
• Review third‑party reports, cash‑flow analysis, credit strength, property characteristics and all other information pertinent to the credit decision process on each application.
• Monitor and test compliance with loan covenants and conditions, prepare borrowing bases and assist in draw processing for a lending relationship.
• Use a thorough understanding of the bank’s underwriting guidelines as well as analytical skills to produce basic to intermediate credit analysis for new extensions of credit, renewals of credit, annual reviews, modifications and other assignments.
• Prepare annual reviews for lending relationships by analyzing updated financial information along with current market/industry data to verify continuing credit worthiness of borrowers, recommending adjustments to the risk profile of the relationship accordingly.
• Assist with creating and distributing job‑related managerial reports.
• Comply with all federal, state and local regulatory rules and regulations governing financial institutions, as well as all company policies and procedures.
• Complete and pass all required regulatory compliance training as assigned.
• Participate in special lending‑related projects and meetings as directed.
• Perform any additional duties and tasks assigned by management.

• Intermediate Excel capabilities including macros, pivot tables and formulas.
• Ability to use key performance metrics and data to provide insights and make strategic business recommendations.
• Ability to organize, analyze and interpret data to explain complex irregularities or trends.
• Strong communication and presentation skills.
• Travel to business locations will be required.

Monday‑Friday from 8am to 5pm with a 1 hour lunch break.

• Bachelor’s degree in finance, accounting, or related field.
• Minimum 12 hours of college‑level accounting, including intermediate accounting I & II, required.

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is often required to sit; use hands in repetitive motions to finger, grasp, handle or feel;

and talk or hear. The employee is occasionally required to stand; walk; and lift or reach with hands and arms. Must be able to operate routine office equipment including computer…