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This Credit Analyst role involves conducting comprehensive financial and credit analyses for commercial real estate (CRE) and commercial and industrial (C&I) loan requests to support sound lending decisions and effective risk management for a dynamic banking team.
Responsibilities
- Analyze and prepare financial summaries and credit presentations for new, renewed, and extended loans, with a focus on CRE and C&I transactions
- Conduct in-depth reviews of borrower financial statements, tax returns, and cash flow models using advanced spreadsheet and credit analysis software
- Assess creditworthiness by evaluating liquidity, management quality, market position, collateral, and overall business climate
- Prepare and present objective credit recommendations to the Credit Analyst Manager and participate in loan committee discussions
- Ensure all credit analyses and loan structures comply with bank policies, regulatory requirements, and industry best practices
- Monitor existing credit relationships for early identification of adverse trends and recommend appropriate actions
- Collaborate with commercial lenders, relationship managers, and other departments to support business development and portfolio management
- Assist in the ongoing enhancement of credit policies, procedures, and risk management practices
- Stay current with regulatory changes (OCC, FDIC, FFIEC) and industry trends impacting credit risk and underwriting
- Support the evaluation and implementation of new credit analysis systems and technology
Requirements
- Credit analysis experience in a banking or financial institution (3-5 years)
- Experience underwriting both CRE and C&I loans (CRE primary focus)
- Strong analytical and synthesis skills with advanced proficiency in financial modeling and spreadsheet analysis
- Knowledge of loan documentation, collateral types, and regulatory requirements
- Proficiency with credit analysis platforms and Microsoft Office Suite
- Excellent written and verbal communication skills
- Ability to work independently and collaboratively within a team
- Strong organizational skills and attention to detail
Qualifications
- 3-5 years of credit analysis experience in a banking or financial institution
Nice to Have
- Formal credit training or relevant certifications (e.g., RMA, CFA)
Skills
Microsoft Office Suite
*
Spreadsheet Software
*
Financial modeling
*
Credit analysis software
*
* Required skills
Certifications
CFA
(Required)
RMA
(Required)