Credit Analyst I

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.