Commercial Credit Analyst

Analyze and underwrite new and renewed commercial and commercial real estate loan requests
Perform detailed financial analysis of business and personal financial statements, tax returns, and cash flows
Conduct credit investigations including credit reports, UCC searches, and reference verifications
Review deal structures and evaluate loan viability, including collateral and repayment sources
Assist relationship managers and credit officers in structuring loans and determining appropriate risk ratings
Prepare loan approval memos and credit presentations for internal loan committee review
Support portfolio management by tracking maturity dates, concentration limits, and annual credit reviews
Maintain accurate and up-to-date credit files and documentation
Collaborate with accountants, financial professionals, and internal lending teams during underwriting and closing

Bachelor’s degree in Finance, Accounting, Business, or related field preferred
1–3+ years of banking experience required, preferably in credit analysis or commercial lending support
Strong knowledge of financial statement analysis and commercial credit fundamentals
Ability to analyze complex financial information and identify potential credit risks
Strong attention to detail, organizational skills, and ability to manage multiple priorities
Proficiency in Microsoft Excel and financial spreading tools
Strong communication skills and ability to work collaboratively with lending teams