Credit Analyst

About The Role

Join one of the best banks in Arizona. Foothills Bank has been on the list of Top Companies to Work for in Arizona for 4 years in a row! Learn More About Our Recognitions!

The Credit Analyst 1 will, through a structured training program, learn to analyze financial information to evaluate the degree of risk related to commercial credit requests. The training program is designed to last approximately 1-3 years depending on prior experience and pace of proficiency in the concepts and procedures required to perform the Credit Analyst job. This position is an on‑site role, open in the following Arizona regions:
Prescott, Lake Havasu, Kingman, Flagstaff, and Bullhead City.

The Credit Analyst 1 will work under the supervision of the Credit Manager/Trainer and will learn to perform tasks such as:

• Gathering and analyzing financial data from various sources, such as income statements, balance sheets, cash flow statements, credit reports, rent rolls, leases, appraisals, and customer projections.
• Calculating financial ratios and evaluating financial performance of existing business customers and new business customers.
• Assessing the risk level and repayment ability of the borrowers based on their financial performance, credit history, industry trends, market conditions, etc.
• Preparing credit authorizations and recommendations based on the analysis and findings.
• Preparing annual term loan reviews to evaluate financial performance of existing commercial loan customers.
• Communicating with the Lending Officers, to obtain additional information or clarify any issues.
• Following the credit policies and procedures and ensuring compliance with the relevant regulations and standards.

• Complete assigned training, both online and real‑time (in‑person or on training calls) to develop knowledge base in commercial lending, financial statement analysis and risk management. Attend internal loan committee meetings to gain credit knowledge, understand the bank’s risk appetite, and hear real‑time feedback on credit presentations prepared by Credit Analysts and Lending Officers.
• Spread financial statements and tax returns with accuracy to assist Credit Analysts and Lending Officers in analyzing credits.
• Review annual term loan reviews and credit authorizations for proper completion of risk rating scorecards and loan details. Review lending policy, loan documents, and financial statements to learn proper loan structuring.
• Work with analyst and lending teams to complete annual term loan reviews, small dollar amount renewals, and ongoing covenant compliance testing.
• Must comply with applicable laws and regulations, including but not limited to the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

• Bachelor's degree in Business or Finance

• A significant level of trust and diplomacy is required to be an effective subject matter expert in the position.
• Proven analytical and problem‑solving abilities.
• Ability to communicate, both orally and in writing, with others in the Bank to perform effective reviews and to report the results.
• Advanced proficiency with various office software. Proficiency in Word, Excel, PowerPoint, Internet Explorer, Email and Calendaring.

Must be able to routinely perform work indoors in climate‑controlled shared work area with moderate noise level.

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. The employee may also be required to climb stairs.

Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be…