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Robert Half Logo Robert Half · Banking

Banking Credit Analyst II

United States, Charlotte · Job Posted April 16, 2026
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Job Description

The Credit Analyst II supports commercial credit and portfolio teams by assisting with underwriting, credit monitoring, and ongoing risk analysis. This role partners closely with relationship and portfolio stakeholders to analyze financial information, identify potential risks, and support credit decision‑making. The ideal candidate is comfortable working independently on moderate‑complexity credits and continues to build expertise across the full underwriting lifecycle. This position requires strong analytical skills, attention to detail, and the ability to prepare high‑quality documentation for credit reviews with minimal supervision.

Job Responsibility

  • Support credit underwriting and portfolio management activities through financial and risk analysis
  • Analyze borrower financial statements, spreads, trends, and projections to identify risks and exceptions
  • Prepare credit write‑ups, review memos, and related documentation for renewals and new requests
  • Complete and maintain credit data, risk ratings, and monitoring information in internal systems
  • Assist with covenant analysis, tracking, updates, and compliance reviews
  • Evaluate covenant certificates, monitor past‑due or non‑compliant items, and recommend next steps
  • Utilize risk and probability‑based models (e.g., PD and projection models) with provided assumptions
  • Identify potential portfolio risks and recommend preliminary actions in collaboration with senior team members
  • Prepare reporting and analysis for portfolio and credit review meetings
  • Review completed spreads and partner with internal teams to address required adjustments
  • Participate in portfolio reviews, client preparation, and special credit projects as needed
  • Support process improvement initiatives and assist with onboarding or training when appropriate
  • Escalate issues, discrepancies, or concerns to the appropriate level in a timely manner

Requirements

  • Bachelor’s degree in Finance, Accounting, Business Administration, or a related field
  • 2+ years of experience in commercial banking, credit analysis, or underwriting
  • Strong understanding of financial statement analysis and credit risk fundamentals
  • Experience building or working with financial models
  • Familiarity with commercial loan structures, covenants, and documentation
  • Working knowledge of banking systems and credit platforms
  • Strong written and verbal communication skills
  • Ability to manage multiple priorities and meet deadlines in a fast‑paced environment
  • Proficiency in Microsoft Excel, Word, and Outlook

Nice to have

Knowledge of local or regional markets is a plus

What we offer

  • medical, vision, dental, and life and disability insurance
  • eligible to enroll in our company 401(k) plan
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