Commercial Credit Analyst I

Department: Credit

Reports to: Commercial Credit Team Lead

FLSA: Exempt

Last Modified: December 2024

Job Summary:

The Commercial Credit Analyst I will assist and support the Commercial Banking team by compiling and analyzing financial statements, business plans, credit reports and other relevant information of various business entities and individuals to determine the degree of risk involved in less complex requested or existing extensions of credit. The position will prepare clear and concise reports using a variety of analytical tools for use in decision-making by Lending Officers, Bank Management, Loan Committees and the Board of Directors. The position will be responsible for providing the highest level of Customer Service and will adhere to the Bank’s Core Values and Service Standards.

Essential Functions:

• Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money. 
• Prepare reports that assess the degree of risk involved in extending credit or lending money. 
• Evaluate customer records and loan structures and risk ratings based on earnings, balance sheet strength, payment history, management quality, guarantor strength and quality of collateral. 
• Complete less complex Loan Presentations, Annual Reviews, and Modifications of Loan Terms, including credit analyses and risk rating recommendations for submission to appropriate authority for approval. 
• Understand and interpret Bank Regulations and Bank Policies to aid in compliance with and/or identification of exceptions. 
• Assists in generating Reports to be used by Management, Senior Management and the Board of Directors. 
• Assists in preparing and assembling Loan Committee and Board Committee Packages. 

Essential Functions (cont.):

• Documents Loan Committee Meeting Minutes, as needed.

Skills, Experience, and Training Required:

• Bachelor’s Degree (four-year college or university) preferably with concentration in Accounting, Economics, Finance or Business Administration.   
• Demonstrated ability to work as part of a team. 
• Be punctual for scheduled work and use time appropriately. 
• Perform duties in a conscientious, cooperative manner. 
• Perform required amount of work in a timely fashion with a minimum of errors. 
• Be neat and maintain a professional appearance. 
• Comply with all Bank policies and procedures, including BSA and Information Security policies. 
• Maintain confidentiality and protect the Bank by keeping information concerning Bank operations and customer information confidential. 
• Able to consistently treat others with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions. 
• Strong commitment to achieving personal and team growth and success through an understanding and commitment to the Bank's sales culture goals. 
• Must have proven communication and interpersonal skills. 
• Proficient in Microsoft Word & Excel 
• General knowledge of accounting and ability to read and understand financial statements. 
• Good organizational skills. 
• Proficiency in MSWord, PowerPoint, and Excel; ability to learn Bank technology.  
• Strong internal and external customer focus.  

Physical Requirements and Working Conditions:

• Physical surroundings are pleasant and comfortable.
• Minimal physical effort required. Stand/Sit Workstation with freedom of movement on a regular basis.
• Handling of light materials and supplies (up to 20 pounds).

The budgeted salary range for this position is $50,000.00 to $56,000.00. Final compensation will be based on the candidate’s qualifications, experience, skills, internal equity, and business needs. 

The job description does not constitute an employment agreement between the employer and the employee and is subject to change by the employer as the needs of the employer and requirements of the job change.