Credit Analyst

• Conduct in‑depth evaluations of financial statements, including balance sheets, income statements, and cash flow statements
• Analyze profitability, liquidity, leverage, and solvency using ratio analysis and multi‑period trends
• Determine repayment capacity by assessing cash flow strength and debt‑service coverage
• Review supporting documentation such as tax returns, bank statements, aging schedules, and other financial records
• Identify financial risks, irregularities, and potential red flags within financial data
• Prepare well‑structured credit memoranda outlining financial findings, risk levels, and recommendations
• Perform industry and market research to enhance credit assessments
• Monitor current credit exposures and periodically re‑evaluate borrower performance
• Work collaboratively with sales teams, underwriting, and senior leadership to support credit decisions
• Ensure ongoing compliance with internal credit policies and regulatory guidelines
• Contribute to the enhancement of credit risk models, tools, and evaluation procedures

• Bachelor’s degree in Finance, Accounting, Economics, or a related discipline is preferred
• At least 3 years of experience in credit analysis, financial analysis, commercial lending, or a comparable finance role
• Strong ability to interpret and evaluate financial statements
• Prior experience preparing credit memoranda and detailed financial summaries
• Proficiency in Microsoft Excel
• Excellent analytical and problem‑solving capabilities
• Strong communication skills, both written and verbal
• Ability to handle multiple tasks and deadlines in a fast‑paced environment

experience with ERP platforms or financial systems is a plus

• medical, vision, dental, and life and disability insurance
• company 401(k) plan