Senior Credit Analyst - C&I

About us

Connect One Bank proves that putting people first is a better way to do business. At Connect One, we’re builders—of businesses, communities, and equity. Most importantly, we’re building opportunities. Our mission is to ensure employees feel empowered to make important decisions, reach their potential, and truly make an impact.

Connect One is a growth organization by design; it is part of our DNA and we take pride in seeing our employees grow with us. Founded in 2005 by an entrepreneur, we have grown into a high-performing commercial bank, inspiring a new model for our industry’s future. By embracing technology and all the ways it can help us become a world-class service organization, we support small business owners by fueling their mission.

People First is the blueprint for our culture. It is at the foundation of everything we do and the decisions we make. At Connect One, you have the opportunity to be part of a dynamic culture and team. Develop your forward-thinking skills, thrive in an entrepreneurial setting, and succeed at a better place to be.

Connect One Bank is an Equal Housing and Equal Opportunity Lender and a member of the Federal Deposit Insurance Corporation.

Full-time

The Senior Credit Analyst is responsible for the written analysis and underwriting of the creditworthiness of new loan proposals as well as existing loans, identifying credit policy exceptions and other credit issues to protect the asset quality of the Bank’s commercial loans.

• Support the Bank’s  People First  focus and rules of engagement—maintaining a professional demeanor, working as an active member of the CNOB team, and providing all clients excellent service.
• Prepare credit analyses for loan requests, including financial statement analysis, collateral analysis (including third-party reports), risk rating recommendations, trend analysis, and identifying the proposed credit’s strengths and weaknesses.
• Prepare written recommendations as to whether proposed loans should be approved as presented or provide alternate loan structure recommendations as appropriate.
• Prepare financial statement spreadsheets that include measurement of various financial ratio trends to evaluate financial status.
• Assist the Commercial Loan Officers and Portfolio Managers with the completion of annual loan reviews, as required.
• Mentor and guide Credit Analysts and Junior Credit Analysts.
• Assist in the annual financial statement follow-up to borrowers; track and monitor the Bank’s receipt of this information.
• Order flood search as appropriate.

• Strong  People First  interest and ability.
• Knowledge of relevant Federal and State banking regulations.
• Working knowledge of basic accounting principles and credit concepts.
• Credit training.
• Basic knowledge of loan types and loan structures.

• Working knowledge of the nCino platform is preferred.
• Experience in CRE Lending

• World-class health, vision, and dental benefits on day one
• 401(k) with employer match
• Hybrid work from home (depending on role)
• Employee appreciation events (team building, softball games, food truck days, etc.)
• Employee assistance programs (EAP)
• Wellness programs (flu shot, preventive care, health programs and services discounts, etc.)
• Tuition reimbursement
• Employee Discount perks
• CNOB Community Service Events

$110,000-$125,000

Connect One Bank is an equal opportunity employer and does not discriminate with respect to any term, condition or privilege of employment based on race, color, religion, sex, sexual orientation, gender identity or expression, age, disability, military or veteran status, marital status, or status of an individual in any group or class protected by applicable federal, state, or local law.

Connect One Bank also provides reasonable accommodations for qualified individuals with disabilities in accordance with the Americans with Disabilities Act and applicable state and local laws. If an accommodation is needed to participate in the job application or interview process, please contact Talent Acquisition.