Commercial Credit Analyst

Commercial Credit Analyst

Are you an experienced Credit Analyst who is eager to grow their career in Commercial Banking? If so, we need you!

At Independent Bank, we live our values of Courage, Drive, Integrity, People-Focus, and Teamwork. We foster professional growth and embrace the collective strength of your unique experiences, ideas, and talents. Our inclusive, collaborative culture helps us deliver the best solutions for our clients and communities as we pursue our mission: Inspiring financial independence today, with tomorrow in mind!

About the Job:

Are you passionate about digging into numbers and helping to make smart lending decisions? As a Commercial Credit Analyst at Independent Bank, you'll play a key role in supporting our commercial lending team by evaluating the financial strength and creditworthiness of our business customers. You'll prepare detailed credit analyses and loan proposals, spread and interpret financial statements, and help structure loans that align with our policies while meeting customer needs. This is a great opportunity to grow your career in commercial banking and work closely with experienced lenders and leaders across the organization.

Why You Should Apply:

• Competitive compensation package.
• Accommodating and flexible paid time off.
• A knowledgeable, goal-driven, and exciting team of colleagues.
• Exposure to different areas of banking and the ability to work with leaders within the industry.
• Community-focused events and volunteer opportunities.

What You Will Do:

• Be a key partner to commercial lenders by spreading and analyzing financial statements for borrowers, co-borrowers, guarantors, and related entities.
• Perform and review credit inquiries and other due diligence to support sound lending decisions.
• Use independent judgment to assess: cash flow sufficiency; debt service capacity; collateral adequacy; overall borrower risk rating.
• Review proposed loan structures and recommend options that are both customer-focused and aligned with bank policies and guidelines.
• Prepare clear, concise credit analyses and loan proposals that help leadership and lenders make prudent credit decisions.
• Conduct trend analysis on borrower financial performance to monitor ongoing creditworthiness.
• Join lenders on customer calls to better understand each business, its industry, and its unique risks and opportunities.
• Take on additional related duties as needed as you grow in the role.

What We're Looking For:

• Bachelor's degree in Accounting, Business, Finance, or a related field; or equivalent combination of education and relevant work experience.
• 2+ years of commercial credit analyst experience is preferred.
• Strong accounting foundation, including knowledge of cash/accrual basis accounting, cost accounting, and contractor accounting.
• Familiarity with commercial lending; direct lending experience is a plus.
• Excellent interpersonal, presentation, and communication skills, with the ability to clearly explain complex financial information to different audiences.
• Strong analytical, problem-solving, and critical-thinking skills, with the ability to exercise independent judgment.
• High level of integrity and commitment to confidentiality, information security, and ethical standards.

If you enjoy combining detailed financial analysis with real-world business insight—and want to build your career in commercial banking—apply today!

Be Proud. Be YOU. Be Independent!

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.

This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.