Credit Analyst

• Prepare thorough credit write-ups and lending summaries for new requests, renewals, and loan changes
• Analyze borrower financial statements, cash flow performance, and repayment capacity to support credit decisions
• Calculate covenant compliance metrics and identify trends or exceptions that may affect risk exposure
• Evaluate borrower strength, collateral position, and other key factors to highlight potential areas of concern
• Produce portfolio reporting that includes ratio analysis, trend review, and supporting credit documentation
• Monitor assigned commercial loan relationships through periodic financial reviews and ongoing risk assessment
• Partner with relationship managers and underwriting staff to provide accurate analysis and responsive support
• Confirm that loan files and credit materials meet internal policy standards and applicable regulatory expectations.

• 1–3 years of experience in credit analysis within commercial banking, business lending, or a similar environment
• Working knowledge of commercial credit principles, borrower risk assessment, and lending practices
• Ability to spread financial statements and interpret cash flow, leverage, liquidity, and performance trends
• Experience preparing credit presentations, loan memoranda, or other formal underwriting documents
• Familiarity with covenant testing, compliance monitoring, and ongoing portfolio review processes
• Exposure to Abrigo, Experian, or similar credit analysis and reporting systems is preferred
• Strong written and verbal communication skills with a high level of accuracy and attention to detail.

Exposure to Abrigo, Experian, or similar credit analysis and reporting systems is preferred.

• Medical, vision, dental, life and disability insurance
• 401(k) plan.