Commercial Credit Analyst

Job Description

Job Description

We are changing FINANCE to finance CHANGE!

At Climate First Bank , we're redefining what banking can be. As a Florida Benefit Corporation and FDIC-insured commercial bank, we offer a full suite of personal and business services—including solar, residential, commercial, ESOP Banking, Structured Finance and SBA loans—all designed to power a better future. We're proud to be a Certified B Corporation, a member of 1% for the Planet, and part of the Global Alliance for Banking on Values (GABV), reflecting our deep commitment to sustainability, transparency, and ethical banking.

With branches in St. Petersburg, Winter Park, Mount Dora , and a growing digital presence , we're proving that banking can be a force for good. We don't just support environmental and social causes—we're built on them.

Under our Holding Company, Climate First Bancorp , we are also powered by OneEthos. OneEthos operates at the intersection of fintech and traditional banking to expand access to inclusive, values-driven financial services. Regulated by the Federal Reserve Bank, it equips Community Banks, Credit Unions, CDFIs, and Green Banks with ethical lending tools—especially in climate finance and solar lending.

We're seeking driven, mission-aligned individuals ready to make an impact. If you're passionate about sustainability, thrive in a fast-paced, results driven environment, and want to be part of something bigger, you will feel right at home.

Our team is one of goal-setters, go-getters, problem solvers, thought leaders, and changemakers . We celebrate wins, tackle challenges head-on, and push boundaries. Fueled by purpose, we thrive where perseverance and passion turn ambitious goals into reality.

At Climate First Bank, we're investing in your future. We offer a comprehensive, people-first benefits package that supports your health, finances, and work-life balance.

Compensation — In addition to the base salary, this position may be eligible for an annual bonus, incentives and equity. Actual compensation is based on industry salary ranges, internal salary structures, experience, skills and other job-related factors.

Health Coverage — 100% employer-paid for employees; employer contribution for dependents by Us

• Medical, Dental & Vision Insurance
• Health Savings Account (HSA)
• Free Telemedicine access via Teladoc

Financial Wellness & Wealth Building

• 401(k) with 6% Employer Match — No Vesting Period.
• Employee Stock Options
• Exclusive Employee Banking Perks
• 0% Financing for Employee Solar Loans
• Employee Only Mortgage Product with exclusive interest rates and terms.
• 0% Financing for Eligible Electric Vehicles (EVs)
• Referral Incentives

Generous Paid Time Off

• 2–4 Weeks of Vacation based on officer level plus additional tenure-based time.
• 64 Hours of Paid Sick Time for all full-time employees.

Protection & Peace of Mind

• Company-Paid Life Insurance
• Short- & Long-Term Disability Insurance
• Voluntary Life, Accident & Critical Illness Coverage
• Employee Assistance Program (EAP) with free counseling, legal, and financial services.

Now Hiring: Credit Analyst

We're looking for a Credit Analyst who will analyze personal and business financials, create comprehensive loan approval packages, make recommendations to senior management and credit committees, monitor loan portfolio performance, and support reporting that helps guide sound lending decisions.

What You'll Contribute:

Analyze Financials and Credit Requests

• Analyze personal and business financials for potential and existing loan customers.
• Evaluate financial documents, reports, causalities, and scenarios with strong logic, context, and attention to detail.
• Apply sound mathematical, analytical, and big-picture thinking to support lending recommendations.

Prepare Loan Approval Packages

• Create comprehensive loan approval packages that clearly summarize credit analysis and recommendations.
• Identify policy exceptions and ensure documentation is accurate, complete, and organized.
• Present recommendations to senior management and credit committees with clarity and professionalism.

Monitor Portfolio Performance and Support Due Diligence

• Perform required monitoring of existing loan portfolio performance.
• Assist in the due diligence process for audits and exams.
• Handle customer, employee, and management interactions effectively and tactfully.

Maintain Reporting Tools and Loan Databases

• Maintain various loan-related databases with accuracy and consistency.
• Use Microsoft Excel and Power BI to create, update, and analyze loan reports.
• Complete assignments with limited oversight while exercising sound judgment on when to ask questions or escalate.

Champion Our Mission, Protect What Matters

• Adopt a commitment to environmental, social, economic, and racial justice.
• Stay informed of applicable regulatory requirements and complete all mandatory compliance and IT training.
• Pursue and demonstrate an understanding of established Bank policies, procedures, and regulations.
• Question suspicious activity and collaborate closely with the respective department(s) to help prevent fraudulent activity.

What makes a stand-out candidate:

Experience & Education

• Bachelor's degree required, preferably in Finance.
• Prior banking experience preferred.
• Experience analyzing financial documents and reports.
• Ability to communicate clearly in writing with the ability to interact effectively across customers, employees, and management.
• Experience Microsoft Excel skills required; Microsoft Power BI skills preferred.

Entrepreneurial Self-Starter - You take ownership of your work product and pride yourself on delivering accurate, timely, and well-supported analysis. You are detail-oriented, resourceful, creative, and organized, with the judgment to work independently while knowing when to ask questions or escalate.

Organization & Efficiency- You manage your time like a pro and stay focused under pressure, You love a good system but also adapt to changing routines. You're a master note-taker and checklist fanatic and stay on top of things with ease and consistency.

Master Communicator - You communicate with confidence, precision, and professionalism. You listen deeply, respond thoughtfully, and engage customers, employees, management, senior leaders, and credit committee stakeholders effectively and tactfully.

Banking & Fintech Acumen - You understand banking, credit analysis, loan documentation, and portfolio monitoring, or you are eager to deepen that expertise quickly. You can interpret financial reports and legal or credit documents, identify policy exceptions, and connect detailed financial information to the broader lending picture.

Tech-Forward and Analytical Thinking - You learn tools quickly and leverage technology to create efficiencies. You bring strong Microsoft Excel skills and are comfortable using or learning Microsoft Power BI to maintain databases, build loan reports, and support data-informed credit decisions.

Commitment to Being a Team Player - You lift others up, share ideas, and bring positive energy to everything you do. You know how to operate as a part of a larger team and love contributing to the big picture. You're dependable and always happy to lend a hand where needed.

The Hiring Process:

Applications must be submitted through the official application link. Resumes sent via other channels may be delayed or bypassed. Processing times may vary. Candidates selected to move forward will be contacted by the hiring team.

Our process follows the Topgrading Methodology — we hire A-Players through a structured, transparent process that includes:

• Cognitive and personality assessments
• An application form spanning your full education and work history
• 3 conversation stages with key team members- get to know us!
• Credit and background checks conducted before the final interview
• Final Step: Connect us with former mentors and managers of our choice for reference chats.

Equal Opportunity Statement:At Climate First Bank we truly believe that our people are our strength and the diverse talents they bring to our workforce are directly linked to our success. Diversity and inclusion are at the core of our values and mission. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs.Equal Opportunity Employer/Disability/VeteransE -Verify Statement: This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S. If E-Verify cannot confirm that you are authorized to work, this employer is required to give you written instructions and an opportunity to contact Department of Homeland Security (DHS) or Social Security Administration (SSA) so you can begin to resolve the issue before the employer can take any action against you, including terminating your employment. Employers can only use E-Verify once you have accepted a job offer and completed the Form I-9