Community Banking Credit Analyst

The Credit Analyst is responsible for accurately and efficiently analyzing, underwriting, and documenting commercial and/or consumer loan requests, including new credit extensions, renewals, and periodic credit reviews. The Analyst works closely with frontline lending staff to provide timely credit support, develop a clear understanding of borrower financial performance, identify potential risks, and assess the overall credit quality of each request. This position reports directly to the Senior Credit Analyst. Key Responsibilities Analyze and underwrite loan requests in accordance with the Bank’s credit policies, procedures, and risk standards Prepare clear, well-supported written credit presentations, including spread financial statements, cash flow analysis, collateral evaluation, and risk assessment Partner with lenders to ensure timely responses and efficient workflow while maintaining strong credit discipline Identify and communicate key credit risks, trends, and mitigating factors Participate in new money requests, renewals, and periodic credit reviews Ensure all credit documentation is accurate, complete, and in compliance with internal policies and regulatory requirements Maintain a strong understanding of the Bank’s risk appetite, loan portfolio, and credit culture Interact regularly with lenders, credit leadership, and executive management as needed Qualifications Bachelor’s degree in finance, accounting, business, or a related field 1–2 years of experience in a bank or financial institution required Strong analytical and financial analysis skills Excellent written and verbal communication skills Sound judgment and decision-making abilities with strong attention to detail Proficiency in financial statement analysis and basic credit concepts Work Environment & Expectations Professional banking environment with regular interaction with lenders, credit leadership, and executive management Ability to manage multiple priorities and meet deadlines in a fast-paced environment Commitment to maintaining high standards of credit quality, regulatory compliance, and sound risk management practices Demonstrated alignment with the Bank’s credit philosophy and risk management culture We are an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, veteran status or any other characteristic protected by applicable law. #J-18808-Ljbffr UBank