Credit Analyst

Core Responsibilities

As a Credit Analyst, you play a key role in helping the bank make sound, responsible lending decisions that support our clients and communities. Your analysis and insights help balance growth with risk, ensuring every credit decision is thoughtful, compliant, and well supported.

• Investigate credit and financial information for prospective and existing commercial clients.
• Analyze business and personal financial statements, tax returns, cash flow, collateral, and sources of repayment.
• Prepare credit approval packages, spreadsheets, summaries, and written analyses for loan decision makers.
• Support new, renewed, and existing loan requests ranging from simple to moderately complex.
• Ensure all work complies with internal policies, procedures, security requirements, and applicable regulations.

Requirements

• You hold a Bachelor’s degree in Accounting, Business, Economics, Law, Computer Science, or a related field (Required).
• An equivalent combination of education and experience can be considered in lieu of a degree.
• You bring two or more years of related credit or financial analysis experience (Required).

Preferred Qualifications

• You’re comfortable analyzing financial statements, tax returns, and cash flow with a strong grasp of basic accounting principles.
• You bring solid analytical thinking and sound judgment to every credit investigation.
• You can manage high volumes of work accurately while adapting to shifting priorities in a deadline-driven environment.
• You communicate clearly and professionally, both in writing and in conversation.
• You understand federal and state regulations related to commercial lending.
• You are proficient in Excel, Word, and other applicable systems.