Credit Analyst II

Job Summary:

The Credit Analyst II is responsible for independently underwriting commercial loan requests with moderate complexity.  This is an intermediate-level role, building on foundational credit skills, focusing on financial analysis, risk assessment, and credit structuring.  Analysts in this tier work closely with senior credit staff and lending teams to prepare credit packages and support sound credit decisions, while continuing to deepen their understanding of commercial lending policy, credit procedures, and industry risks.

Primary Responsibilities:

The duties listed below are some of the duties that may be assigned and may not include all responsibilities that the person in this role may be asked to perform. The incumbent may be required to perform other related duties as assigned. Reasonable accommodations may be made to enable individuals with disabilities to perform essential job duties.

• Independently spread financial statements and perform detailed financial analysis for commercial borrowers.
• Underwrite loan requests, including renewals and modifications, with limited oversight.
• Preparing credit underwriting, including financial analysis, risk ratings, and policy compliance checks.
• Evaluate and interpret borrower financial health using ratio analysis, cash flow modeling, and trend identification.
• Conduct industry and market research to support credit structuring and risk assessment.
• Continue to develop skills in collaborating with Relationship Managers and Portfolio Managers to understand loan requests, clarify deal terms, and build foundational knowledge for loan structuring.
• Continue to hone knowledge in collateral valuation, including developing a deeper understanding of appraisal reports, internal valuation processes, and environmental risk considerations.
• Perform loan portfolio monitoring by preparing covenant checks and annual reviews and assisting with risk rating recommendations.
• Ensure credit requests align with bank policy, regulatory requirements, and overall risk appetite.
• Participate in internal credit discussions with relevant stakeholders.
• Maintain working knowledge of the Bank’s commercial loan policy, credit procedures, and risk frameworks.

Supervisory Responsibilities:

• None.

Skills and Qualifications:

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner.  Individual abilities may result in some deviation from these guidelines:

• 2-5 years of experience in commercial credit analysis or related financial role.
• Bachelor’s degree in finance, accounting, or other business-related fields.
• Proficiency in financial statements analysis and ratio interpretation.
• Familiarity with tax returns, compiled/reviewed/audited financials, and cash flow analysis.
• Effective written and verbal communication skills, including the ability to draft credit memos and present findings.
• Ability to manage multiple assignments independently and meet deadlines with limited supervision.
• Demonstrated understanding of business, economic, and industry risk factors.

Computer and Office Equipment Skills:

• Microsoft Office Suite, including Word, Excel, and PowerPoint

Physical Requirements:

The physical demands described here are representative of those that must be met to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential functions.

• While performing the duties of this job this individual is regularly required to stand for long periods of time, walk, sit, talk, hear, use their hands and fingers (manual dexterity), use a telephone, and occasionally lift and /or move up to 25 pounds.
• Specific vision abilities required by this position include, close vision, and the ability to adjust focus.

Mental Requirements:

• The ability to solve problems, make decisions, interpret data, organize information, written and oral communication and read/write.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

Encore Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration without regard to race, color, religion, age, ancestry, citizenship, sex, sexual orientation, gender identity, national origin, marital status, genetic information, physical or mental disability, veteran status or any other characteristic protected by law.

Offered Benefits:

• Medical
• Dental
• Vision
• Employer Paid Life Insurance
• Supplemental Life Insurance
• Employee Stock Program
• 401K