Commercial Credit Analyst

We are looking for a detail-oriented and analytical Commercial Credit Analyst to join our commercial lending team. In this entry-level role, you will be the engine behind our loan approval process. You’ll dive into financial statements, assess the stability of local businesses, and provide the data-driven insights our lenders need to make smart, safe, and impactful loans. This is a perfect "foot in the door" for a recent graduate or early-career professional looking to build a foundation in commercial banking.

What You’ll Do (Key Responsibilities)

• Financial Spreading: Input data from business tax returns and financial statements into our analysis software to calculate key metrics (Debt Service Coverage, Leverage, and Liquidity).
• Risk Assessment: Identify potential "red flags" in credit reports, industry trends, or financial performance that might impact a borrower’s ability to repay.
• Credit Memorandums: Assist in drafting clear, concise loan narratives that summarize your findings and provide a recommendation for approval or denial.
• Portfolio Management: Help monitor existing loans to ensure businesses are meeting their financial requirements and staying healthy.
• Collaboration: Work closely with Lenders and the Credit Manager to gather missing information and understand the unique story behind every business application.

What We’re Looking For (Requirements)

• Education: Bachelor’s degree in Finance, Accounting, or Economics.
• Excel Savvy: You should be comfortable with formulas and organizing data in Microsoft Excel.
• Meticulous Work Ethic: A hardworking professional with a sharp eye for detail who takes pride in producing error-free work and managing tight deadlines.
• Natural Curiosity: You like solving puzzles and "reading between the lines" of financial data.
• Communication: Ability to explain complex numbers in simple, written English.
• Integrity: High level of professionalism and the ability to handle confidential financial information with care.

Why You’ll Love Working Here

• Mentorship: You’ll work directly under the Credit Manager and Loan Officers who are invested in your career growth.
• Impact: Your work directly supports the growth of local businesses in our community.
• Clear Career Path: This role is designed to lead into Senior Analyst, Underwriting, or Commercial Lending Officer positions.
• Benefits: Health, Dental, and Vision Insurance, Paid time off days, paid federal holidays, Safe Harbor 401k plan