Credit Analyst I

Job Purpose:

Credit Analyst evaluates commercial and personal financial information to assess creditworthiness of loan applicants. This role supports the loan decision-making process by preparing detailed credit summaries, presenting key financial insights, and contributing to loan committee discussions.

Key Responsibilities:

• Gather, spread, and analyze customer financial information, including but not limited to financial statements, tax returns, business plans, credit reports, industry data, etc.
• Prepare credit write-ups and loan committee presentations that clearly outline risks and recommendations that meet compliance with bank’s loan policies.
• Advise lenders and loan committees by providing insight and clarification regarding financial information and borrower risk.
• Assist in the preparation of monthly board and management reports, or other projects as assigned.
• Conduct portfolio monitoring and management activities, including periodic financial statement reviews and covenant tracking as assigned.
• Accompany lenders on customer site visits and inspections to gather qualitative and operational insights.
• Perform other duties and special projects as assigned.

 Education / Qualification and Experience Requirements:

• Bachelor’s Degree in Accounting, Business, Economics, or Finance required.
• Related banking or analytical experience is preferred.
• Proficient in spreadsheet (Excel) and Word software.
• Demonstrated mathematical and analytical ability with strong attention to detail.
• Strong interpersonal, organization, communications, and customer relations skills.
• Familiarity with financial statement analysis, cash flow analysis, and credit risk fundamentals is a plus.