Credit Risk - Credit Analyst I

It starts with our culture ... Common sense has never been common. If it were, the world would be a different place. Things would run smoothly and on time. People would do what they say and say what they do. Everything would be fair, without all the small talk.  And banks would only sell you what you need. When a banker looked at a client, they wouldn’t just see a number, they’d see a dad or a mom or a graduate or a business owner. Our Bankers understand the complexities of people’s lives and offer simple solutions. That's the basics of Relationships. Fairness. Simplicity®. When you choose our Company, you have an opportunity to make an impact beyond the walls of our buildings. We have a long-standing commitment to Equity, Diversity, and Inclusion. Through our banking relationships, investing, grants, and volunteerism, NBH Bank promotes the growth, revitalization, and sustainability of the communities we serve. We believe that these are important elements in building and sustaining a successful organization and a positive, results-driven culture. We strive for all of our associates to feel welcome and empowered at work. As a Credit Analyst I, you will:

Ensure effective credit risk management through oversight of borrower analysis, underwriting practices, and overall portfolio quality. Operate as an effective communicator, who is able to stimulate and motivate others while being aware of and responsive to their needs and concerns. Develops and delivers credit recommendations that align with organizational risk appetite and business objectives. Oversee portfolio performance, ensuring proactive monitoring of loan quality, covenant compliance, and emerging risks. Be an active participant in maintaining guidelines, structure, and established policies as you work with and for others. Partners with clients and internal stakeholders to support relationship growth while maintaining disciplined credit standards. Ensures alignment with regulatory requirements, internal policies, and enterprise risk management frameworks. Provides leadership and direction to credit analysts, fostering consistency, accountability, and continuous development across the function.

The Credit Analyst will provide full service to Relationship Mangers statewide, through analyzing basic commercial loan requests, identifying strengths and weaknesses, providing recommendations, and noting any deviations from the Loan Policy as appropriate.

Minimum Requirements: This position requires the following educational and/or job experience

Bachelor’s degree in Finance, Accounting, Business, or a related field required Demonstrated experience in complex financial analysis, including interpretation of financial statements, cash flow analysis, and risk assessment Intermediate knowledge of commercial lending practices, credit risk management, and banking regulations Proven ability to manage multiple priorities and deliver high-quality analysis in a deadline-driven environment

Desired Skills: Ideal candidates for this position should possess some or all of the following skills:

Advanced analytical and critical thinking skills, with the ability to evaluate complex financial information and identify key risk drivers Strong leadership and interpersonal skills, with the ability to influence, mentor, and develop team members Effective communication skills, with the ability to clearly present credit analysis and recommendations to diverse stakeholders Strong organizational and time management skills, with the ability to manage multiple priorities in a fast-paced environment Sound judgment and decision-making capabilities aligned with established risk management frameworks Working knowledge of commercial banking products, credit structures, and portfolio management practices Proficiency in financial analysis tools, systems, and reporting platforms Collaborative mindset with the ability to partner cross-functionally to support business objectives High level of attention to detail and commitment to accuracy and quality

Work Environment: We are a culture that believes that people are our greatest asset and are at the heart of everything we do. We take pride in bringing clarity and simplicity to our associates (employees) and clients. Our decisions are made efficiently, fairly, and locally. Our success is directly tied to the communities we serve. It is equally important for us to look through the lens of our applicants and associates to identify their individual needs. As such, we want to share the following:

We are committed to our core value of meritocracy and supporting our associates in growing within their role Must be able to travel – estimated 10% of the time.

Benefits:

In addition to your financial compensation, we also offer a generous benefits package that includes insurance, 401k, an associate stock purchase program, paid time off, associate banking perks. For more information about the benefits offered click here.

If this is what you believe in, then you’re definitely right for us. Consider making an investment in us, so that we may invest in you and your bright future.