Community Banking Credit Analyst

The Credit Analyst is responsible for accurately and efficiently analyzing, underwriting, and documenting commercial and/or consumer loan requests, including new credit extensions, renewals, and periodic credit reviews. The Analyst works closely with frontline lending staff to provide timely credit support, develop a clear understanding of borrower financial performance, identify potential risks, and assess the overall credit quality of each request. This position reports directly to the Senior Credit Analyst.

• Analyze and underwrite loan requests in accordance with the Bank’s credit policies, procedures, and risk standards
• Prepare clear, well-supported written credit presentations, including spread financial statements, cash flow analysis, collateral evaluation, and risk assessment
• Partner with lenders to ensure timely responses and efficient workflow while maintaining strong credit discipline
• Identify and communicate key credit risks, trends, and mitigating factors
• Participate in new money requests, renewals, and periodic credit reviews
• Ensure all credit documentation is accurate, complete, and in compliance with internal policies and regulatory requirements
• Maintain a strong understanding of the Bank’s risk appetite, loan portfolio, and credit culture
• Interact regularly with lenders, credit leadership, and executive management as needed

• Bachelor’s degree in finance, accounting, business, or a related field
• 1–2 years of experience in a bank or financial institution required
• Strong analytical and financial analysis skills
• Excellent written and verbal communication skills
• Sound judgment and decision-making abilities with strong attention to detail
• Proficiency in financial statement analysis and basic credit concepts

• Professional banking environment with regular interaction with lenders, credit leadership, and executive management
• Ability to manage multiple priorities and meet deadlines in a fast-paced environment
• Commitment to maintaining high standards of credit quality, regulatory compliance, and sound risk management practices
• Demonstrated alignment with the Bank’s credit philosophy and risk management culture