Commercial Credit Analyst

The Credit Analyst will play a vital role in the New First commercial and commercial real estate lending process, providing analytical and technical skill sets to facilitate underwriting decision‐making. The specific responsibility of the Credit Analyst is to ensure quality and timely processing of new and renewal loans by providing in‑depth professional financial analysis of the conditions, capacity, cash‑flow, and collateral elements of the credit.

In addition, the analyst maintains high loan portfolio quality by performing ongoing, scheduled financial assessments of all large credits and a statistical sampling of the smaller credit portfolio.

• Analyzing and underwriting new & renewed loan requests. Loan types include investment real estate, construction and development loans, operating credit requests (lines of credit and equipment purchases), and agricultural loans.
• Spread and analyze financial information for all lenders within the bank.
• Participate with sales in the formation of credit officer memos providing financial analysis support to the process.
• Monitor and evaluate post‑funding performance and complete commercial real estate draw requests.
• Participate in Loan Committee meetings with lenders.
• Be prepared to support loan analysis conclusions to all affected parties (sales, underwriting, senior management, BOD, examiners) including the customer.
• Assist the sales process with administration of Sales Contact files including creation of reports, sales meeting preparation and training of users.
• Perform other duties as required or assigned by the Senior Credit Associate and support all team functions, as necessary.

• A thorough understanding of financial statements including balance sheets, income statements and statements of cash flow.
• Extensive experience in Microsoft Excel including financial, data and logic formulas, and pivot tables.
• The ability to manage multiple assignments, prioritize, and deal with changing deadlines with limited supervision.
• Excellent verbal and written communication skills.
• A strong work ethic, self‑motivation, and an aptitude for critical thought and decision making.
• An ability to maintain sensitive and confidential information.

A minimum of a Bachelor’s degree in a relevant business field such as Accounting, Finance, or Economics, and 2+ years in financial services is preferred. Qualified recent graduates or an equivalent in related experience will also be considered.

Career advancement as either a production officer or credit administration manager is possible.

• Use hands to finger, handle or feel; reach with hands and arms.
• Requires corrected hearing in normal range of effective communication via telephone and alarms.
• Must be able to speak.
• Required to either sit or stand for extended periods of time.
• Must occasionally lift up to 25 pounds.
• Length of day is unpredictable.
• Specific vision abilities include close vision, distance vision and the ability to adjust focus; considerable effort and eye strain from continued checking on the accuracy of all work.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this job.