Credit Analyst

Position:                   Credit Analyst

Location:                 North Branch

Reports To:              Sr. Credit Officer

FLSA Status:            Non-Exempt

Position Summary:

The Credit Analyst is responsible for evaluating the creditworthiness of commercial and consumer loan applicants through detailed financial analysis, risk assessment, and ongoing portfolio monitoring. This position supports lending staff by providing accurate, timely, and well-documented credit analyses to assist in sound lending decisions. The role plays a key part in maintaining the overall quality of the bank’s loan portfolio while supporting the bank’s mission of building strong customer relationships and managing risk effectively.

Core Values in Action

This role is expected to consistently demonstrate the bank’s core values:

• Courage – ”We stand with Courage to overcome challenges by aligning our actions with our values.”
• Compassion – ”We embody Compassion through empathy and acts of kindness.”
• Wisdom – ”We offer our collective Wisdom in service of others.” 

Primary Duties and Responsibilities:

• Analyze financial statements, tax returns, cash flow statements, and other financial data to assess borrower creditworthiness.
• Prepare detailed credit memorandums, including risk ratings, financial trends, and repayment capacity analysis.
• Spread and analyze financial statements using bank-approved software and systems.
• Assess collateral adequacy and review appraisals, borrowing base certificates, and other supporting documentation.
• Identify strengths, weaknesses, and key risk factors associated with each credit request.
• Partner with lenders to structure credit facilities that align with borrower needs and the bank’s risk appetite.
• Perform annual reviews, renewals, and ongoing monitoring of assigned loan relationships.
• Track covenant compliance and identify exceptions or deteriorating credit conditions.
• Assist with loan grading and risk rating accuracy across the portfolio.
• Ensure all analyses comply with internal loan policy, regulatory expectations, and underwriting standards. *
• Support internal and external audits, loan reviews, and regulatory examinations by providing requested documentation and analysis.
• Maintain organized and complete credit files and supporting documentation.
• Participate in loan committee preparation as needed.
• Stay current on industry trends, economic conditions, and regulatory changes impacting credit risk.
• Perform other duties as assigned by management.

Physical/Work Environment Requirements:

• Regularly required to talk, hear, stand, and use hands to operate a computer and office equipment.
• Regularly required to sit; frequently required to stand, walk, stoop, or kneel.
• Daily computer work for 6+ hours, including screen viewing and typing.
• Ability to work in a fast-paced environment with multiple priorities and regulatory deadlines.

Company Expectations:

• Deliver quality work within deadlines, with or without direct supervision.
• Maintain a professional and respectful demeanor with colleagues, customers, auditors, and regulators.
• Function effectively both as a team member and independently, while communicating and coordinating with others.
• Demonstrate consistent attendance and punctuality.

Other Information:

This job description is not a contract and does not limit management’s right to assign or reassign duties at any time. Responsibilities may be adjusted based on business needs or reasonable accommodation.

Qualifications:

• Bachelor’s degree in finance, accounting, business, or a related field required.
• Minimum 4 years of commercial underwriting experience, commercial lending practices, and loan structuring
• Strong understanding of financial statement analysis, cash flow analysis, and credit risk principles.
• Knowledge with banking regulations and credit compliance requirements
• Proficiency in Microsoft Excel, Word, and financial spreading software.
• Strong analytical, organizational, and problem-solving skills.
• High level of accuracy and attention to detail.
• Ability to manage multiple priorities and meet deadlines in a fast-paced environment.
• Effective written and verbal communication skills.
• Ability to work both independently and collaboratively with lending and credit teams.

Supervisory Responsibilities:

This position has no supervisory responsibilities.