Credit Analyst/Underwriter

Job Description

Job Description

Job Title: Credit Analyst / Underwriter

Location: Delaware, OH | Work Arrangement: On-Site/Flexible | Employment Type: Full-Time

Benefits:

• Medical Insurance

• Dental Insurance

• Vision Insurance

• Life Insurance

• Retirement Plan

• Paid Time Off (PTO)

About the Opportunity:

• We are seeking a detail-oriented and analytical Credit Analyst / Underwriter to join our growing banking team in Delaware, Ohio.

• This role plays a critical part in supporting commercial lending operations by analyzing credit risk, underwriting loan requests, preparing loan presentations, and maintaining ongoing portfolio monitoring. The ideal candidate will possess strong financial analysis skills, sound judgment, and a commitment to providing exceptional service to both internal and external customers.

• This is an excellent opportunity for a banking professional looking to further develop their expertise in commercial lending, credit analysis, and portfolio management within a collaborative community banking environment.

Position Summary:

• The Credit Analyst is responsible for evaluating new and existing commercial loan relationships, performing credit underwriting, preparing loan presentations, and assisting with ongoing credit administration activities. This position ensures loan requests are properly documented and analyzed while maintaining compliance with bank policies and regulatory requirements.

Key Responsibilities:

• Credit Analysis & Underwriting

• Analyze financial statements, tax returns, and supporting documentation

• Prepare annual reviews, credit memorandums, and credit approval packages

• Evaluate borrower cash flow, repayment capacity, collateral, and guarantor strength

• Assess primary and secondary repayment sources under various lending scenarios

• Recommend loan structures and risk ratings

• Underwrite new and existing commercial loan relationships

• Communicate directly with loan officers and borrowers to obtain additional information when needed

• Portfolio Monitoring & Risk Management

• Monitor commercial loan relationships for covenant compliance

• Assist with periodic collection and review of updated financial information

• Evaluate portfolio performance and identify emerging credit risks

• Review commercial and residential real estate appraisals

• Maintain compliance with the Bank's lending policies and procedures

Reporting & Documentation:

• Compile financial spreadsheets utilizing tax returns and financial statements

• Produce monthly and quarterly portfolio performance reports

• Assist with regulatory reporting and audit requests

• Maintain accurate loan documentation and credit files

• Participate in Loan Administration meetings and special projects

Relationship Building:

• Build effective working relationships with loan officers, customers, and community stakeholders

• Provide exceptional customer service and responsiveness

• Collaborate effectively across departments to support lending objectives

Qualifications:

Required:

• Bachelor's Degree in Business, Finance, Accounting, Economics, or a related field, or equivalent work experience

• Experience with residential, commercial, and consumer lending

• Strong analytical and problem-solving abilities

• Excellent organizational skills and attention to detail

• Proficiency with Microsoft Office applications

• Strong written and verbal communication skills

• Ability to manage multiple priorities in a deadline-driven environment

• Customer-focused mindset with a commitment to service excellence

Preferred Qualifications:

• Experience utilizing loan origination and administration systems such as:

• LaserPro

• Encompass

• Experience with:

• Abrigo / Sageworks

• Crystal Reports

• Previous commercial credit analysis or underwriting experience within a banking environment

Knowledge & Regulatory Compliance:

• Candidates should possess working knowledge of applicable banking regulations and compliance requirements, including:

• Bank Secrecy Act (BSA)

• Anti-Money Laundering (AML)

• Community Reinvestment Act (CRA)

• Americans with Disabilities Act (ADA)

• Right to Financial Privacy Act

• Gramm-Leach-Bliley Act (GLBA)

• The successful candidate will demonstrate the ability to interpret financial reports, legal documents, and technical information while effectively communicating findings and recommendations.

Why Join Us?

• This opportunity offers the chance to build a rewarding career in community banking while working alongside experienced lending professionals. You'll gain exposure to diverse commercial lending relationships, participate in meaningful credit decisions, and contribute directly to the success of local businesses and communities.

• If you are a driven financial professional with a passion for credit analysis, underwriting, and relationship management, we encourage you to apply.

Company Description

W3Global was established in 2006 in Fremont, CA with a vision: simplify the recruiting process and develop an industry-disrupting platform to connect candidates with clients. Our cutting-edge Applicant Tracking System enables us to find the right person for the right job, creating value for job seekers and employers. While W3Global initially focused on IT staffing, we have expanded the business to serve many other industries, including accounting and finance, legal, engineering, human resources, government and more.

We’re proud of the investments we’ve made in our team, having grown from four to 1000 employees and evolving into one of the leading recruitment and staffing solution providers in the industry. Our recruiters and account managers are passionate about connecting qualified professionals with the right positions in small, medium, and large companies.

Our Services
W3Global understands the natural ups and downs of an organization’s staffing needs. We are continuously adapting to industry and economic changes to find the right candidates.

We specialize in placing permanent, direct, contract, and temporary positions for companies of any size. Our recruiting services include sourcing, recruiting, screening, interview management, salary negotiations, training, and onboarding.

We are committed to helping organizations redefine their recruitment process by delivering our SaaS-based proprietary application tracking system software.

Our Expertise
W3Global has been delivering staffing solutions for nearly two decades; we know which recruiting strategies work best. Our expert team is committed to developing a customized solution to fit your company’s unique needs.

As a W3Global client, you’ll also receive personalized assistance from a seasoned team of staffing specialists. We are committed to providing both technical support and industry expertise to simplify the hiring process. We know that your time matters. W3Global will help you streamline the hiring process, getting it done and getting it right.

Company Description

W3Global was established in 2006 in Fremont, CA with a vision: simplify the recruiting process and develop an industry-disrupting platform to connect candidates with clients. Our cutting-edge Applicant Tracking System enables us to find the right person for the right job, creating value for job seekers and employers. While W3Global initially focused on IT staffing, we have expanded the business to serve many other industries, including accounting and finance, legal, engineering, human resources, government and more.\r\n\r\nWe’re proud of the investments we’ve made in our team, having grown from four to 1000 employees and evolving into one of the leading recruitment and staffing solution providers in the industry. Our recruiters and account managers are passionate about connecting qualified professionals with the right positions in small, medium, and large companies.\r\n\r\nOur Services\r\nW3Global understands the natural ups and downs of an organization’s staffing needs. We are continuously adapting to industry and economic changes to find the right candidates.\r\n\r\nWe specialize in placing permanent, direct, contract, and temporary positions for companies of any size. Our recruiting services include sourcing, recruiting, screening, interview management, salary negotiations, training, and onboarding.\r\n\r\nWe are committed to helping organizations redefine their recruitment process by delivering our SaaS-based proprietary application tracking system software.\r\n\r\nOur Expertise\r\nW3Global has been delivering staffing solutions for nearly two decades; we know which recruiting strategies work best. Our expert team is committed to developing a customized solution to fit your company’s unique needs.\r\n\r\nAs a W3Global client, you’ll also receive personalized assistance from a seasoned team of staffing specialists. We are committed to providing both technical support and industry expertise to simplify the hiring process. We know that your time matters. W3Global will help you streamline the hiring process, getting it done and getting it right.