Credit Analyst

Job Description

For over 100 years, ABOC has fostered deep ties to our customers and our community, serving the banking needs of countless businesses, organizations, institutions and individuals, many for multiple generations. These relationships are based on profound trust, in-depth understanding and highly personal and responsive service provided by our experienced bankers.

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We take tremendous pride in being a great place to work! We value the contributions our employees bring to the table every day. We work hard to nurture and maintain a mutually respectful, diverse culture that fosters teamwork and a commitment to exceptional customer service.

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ABOC is hiring a Credit Analyst . This position is responsible for providing analysis of submitted financial information in support of lending officers. It is further responsible for providing support and assistance to the lending officers in the processing and underwriting of loan applications, production of documentation required to book loans and efficient performance of administrative duties for the commercial real estate/commercial loan portfolio.

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Key Responsibilities

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• Analyze financial statements, tax returns, and cash flow to assess creditworthiness of commercial and union-related borrowers
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• Prepare credit memoranda, commercial loan presentations, and other materials for internal meetings and approvals
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• Assist in structuring loan requests and identifying risks and mitigating factors
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• Order and review appraisals, credit reports, title work, and other due diligence materials
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• Coordinate with lenders, Loan Operations, and third parties to support loan processing, documentation, and closings
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• Monitor loan portfolios for covenant compliance, financial reporting, maturities, and past due activity
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• Maintain accurate credit files, collateral records, and tracking systems (ticklers/reporting)
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• Communicate with clients and relationship managers to collect financial information and support ongoing relationships
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• Prepare portfolio reports, watch lists, and other internal management reporting
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• Ensure compliance with bank policies, regulatory requirements, and industry best practices.
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Qualifications

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• Bachelor’s degree in Finance, Accounting, Business, or related field preferred
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• 3–5 years of experience in commercial banking or credit analysis
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• Strong financial analysis, organizational, and communication skills
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• Proficiency in Microsoft Excel and Microsoft 365 tools
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BENEFITS:

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• Competitive compensation package
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• Full health insurance (medical, dental and vision),
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• 401(k)
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• Life insurance
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• Education Assistance
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• Paid Vacation Days
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• Employee Assistance Program
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• Open-door work environment
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• Opportunities for advancement
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• Community Service Opportunities
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We are an equal opportunity employer and value diversity, equity and inclusion at our company. We do not discriminate on the basis of any protected category. We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.

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