Credit Analyst II

Position Purpose:

Make recommendations regarding customer credit approvals based on an in-depth analysis of credit data, financial statements and due diligence of individuals or companies to determine the degree of risk involved in extending credit or lending money.

Job Duties and Responsibilities:

• Analyze assigned complex loan applications within established guidelines across entire customer base.
• Prepare in-depth written loan memorandum documents in accordance with established policies and procedures and advise Lending Officers/Management on loan analysis.
• Spread and analyze financial statements, develop credit information and review complicated credit issues in order to interpret data and make recommendations to Lending Officers and committees who review lending decisions on new, renewal, and extension loans.
• Analyze cash flows, including global cash flow, to ensure adequate cash is available to meet any and all debt requirements as well as adequate liquidity is maintained. 
• Assist in the development of loan agreements. 
• Comply with regulations and policies of Firstar Bank.
• Regular interaction with Lending Officers and, as necessary, with customers.
• Assist in the training of Credit Analyst I’s as required.
• Complete required annual training and maintain knowledge relevant to the role. 
• Participate in bank and community initiatives to strengthen visibility and reinforce Firstar’s commitment to the communities it serves.
• Perform additional responsibilities as assigned in support of the Bank’s priorities and objectives.  

Skills and Abilities Required:

• Strong knowledge and ability to read and interpret financial statements.
• High level of analytical ability, gained through experience, to evaluate loan risk involved with the application.
• Demonstrated ability to fully complete a written loan memorandum. 
• Responsiveness in a time-sensitive/deadline-oriented process. 
• Strong knowledge of accounting and financial principles.
• Ability to determine the need for more thorough investigation or additional information required for loan approval.
• Working knowledge of documents and legal requirements to secure and perfect collateral instruments. 
• Excellent written and oral communication skills as well as the ability to read and understand policies and procedures. 
• Strong sense of initiative; self-motivated; work well without close supervision. 
• Ability to build professional relationships with coworkers. 
• Strong computer skills; proficient in Microsoft Word, Excel and Outlook.
• Strong attention to detail while still successfully multitasking. 

Experience and Education Requirements:

• Bachelor’s Degree in Business Administration with emphasis in Finance/Accounting or equivalent. Minimum of 12 hours of accounting and/or finance, required.
• Minimum three (3) years banking or financial services industry experience including two (2) years of credit responsibilities either as a Loan Officer or Credit Analyst, required.

Physical Requirements:.

• May be required to travel to other branch locations.
• May be required to work some evenings and/or weekends as necessary.
• Prolonged periods of sitting at a desk and working on a computer, with occasional standing and walking throughout the office.
• Occasional bending, reaching or stooping as needed to retrieve files, office supplies, or materials.
• May occasionally lift and/or move items up to 25 pounds (e.g., files, office supplies, packages.)
• Requires the ability to communicate effectively, including the use of visual acuity for reviewing documents and screens and auditory ability for conversations in person and by phone. 

Core Values in Action:

• Integrity: Leads by example with ethical decision-making, honesty, and accountability.
• Trust: Builds confidence through transparent communication and consistent follow-through.
• Respect: Treats others with kindness, professionalism, and appreciation for diverse perspectives.
• Better Together: Fosters collaboration and teamwork to achieve shared goals through strong, trust-based relationships. 
• Client & Community Focused: Puts clients and community first through responsive service and meaningful engagement.

Firstar Bank is proud to be an Equal Opportunity Employer: EEO/M/F/Disabled/Vets