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About the Role

This position supports the credit administration function by gathering and analyzing business and financial records to assess customer credit and risks for commercial loans. The Credit Analyst I assists in making determinations and recommendations on credit decisions, risk, and loan requests through evaluation of financial statements, industry ratios, market risk, collateral, sensitivity analyses, and projections. The analyst collaborates with loan officers, lending assistants, and other bank employees under the guidance of the Director of Credit Administration and Senior Credit Analyst.

Responsibilities

• Analyzes financial data of new and existing borrowers and prepares credit requests and reviews.
• Provides client background, transaction summaries, projection modeling, loan covenant and condition compliance, profitability, risk rating, relationship, and industry analyses.
• Assists in determining optimal loan structures, foreseeing future client opportunities, and providing credit recommendations.
• Monitors covenant and reporting compliance for assigned relationships.
• Supports preparation of annual reviews and renewals for existing borrowers.
• Communicates exceptions or deficiencies to appropriate lending officers or credit administration staff.
• Works with loan officers, lending assistants, and loan operations staff to ensure file completeness and timely resolution of documentation requirements.
• Maintains working knowledge of applicable Bank lending policies, procedures, and regulatory guidelines.
• Provides strong and clear communication to co-workers, loan officers, and third parties.
• Adheres to all applicable internal policies and procedures and protects borrower information confidentiality.
• Follows BSA policies and procedures applicable to job functions.
• Performs additional duties as requested or assigned.

Requirements

• Working knowledge of basic accounting or financial principles.
• Familiarity with credit/lending concepts is a plus.
• Demonstrates analytical, decision-making, and effective problem-solving skills.
• Strong attention to detail and accuracy.
• Demonstrates effective business writing and excellent communication skills.
• Ability to work independently with minimal supervision and make sound judgments.
• Proficiency in Microsoft Office, including Excel and Word.
• Prolonged periods of sitting at a desk and working on a computer.
• Must be able to lift up to 15 pounds at times.

Skills

• Analytical skills
• Decision-making skills
• Problem-solving skills
• Attention to detail
• Accuracy
• Business writing
• Communication skills
• Independent work
• Judgment
• Microsoft Office proficiency
• Excel
• Word

Experience Level

• One or more years of experience in banking or a related financial services environment desired

Education Level

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field required