Credit Analyst

Numbers Tell a Story. You Make Sure It's the Right One. Behind every successful commercial loan is someone who knows how to separate opportunity from risk. If spreadsheets, financial statements, and business strategy spark your curiosity more than they intimidate you, this is your chance to become a vital part of a high-performing banking team. We're seeking a Credit Analyst who thrives on digging into the details while keeping the bigger financial picture in focus. You'll partner with experienced lenders, evaluate commercial credit opportunities, and help build strong lending relationships that fuel businesses throughout the Boise community. Every analysis you complete helps drive smart decisions, protect the bank, and support local companies as they grow. If you're analytical, naturally curious, and eager to build a long-term career in commercial banking, this role offers the perfect blend of challenge, collaboration, and professional growth. What You'll Do As a Credit Analyst, you'll become a trusted financial resource by: Analyzing commercial loan requests across a variety of industries and business sizes. Reviewing business and personal financial statements, tax returns, cash flow projections, and supporting documentation. Preparing detailed credit memorandums with clear recommendations for loan approval or denial. Evaluating borrower repayment capacity, collateral, guarantor strength, and overall creditworthiness. Performing cash flow analysis, global debt service calculations, and financial ratio analysis. Identifying potential lending risks while recommending practical solutions and mitigating factors. Monitoring existing loan relationships to ensure continued financial strength and covenant compliance. Conducting annual credit reviews and portfolio monitoring. Partnering closely with Commercial Relationship Managers throughout the underwriting process. Assisting with loan structuring that aligns with both customer needs and sound banking practices. Maintaining accurate credit files and documentation in accordance with regulatory standards. Staying current on market trends, economic conditions, and industry developments that could impact lending decisions. Supporting internal audits, examinations, and compliance initiatives. Building productive relationships with lenders, credit administration, loan operations, and executive leadership. What We're Looking For We're looking for professionals who combine financial expertise with thoughtful decision-making. Qualifications include: Bachelor's degree in Finance, Accounting, Economics, Business, or a related field preferred. 2+ years of commercial credit analysis or commercial banking experience. Strong understanding of commercial lending principles and credit underwriting. Experience analyzing financial statements and business tax returns. Knowledge of cash flow modeling and financial ratio analysis. Familiarity with commercial real estate and C&I lending is highly valued. Working knowledge of regulatory banking guidelines and loan documentation. Advanced proficiency in Microsoft Excel and Microsoft Office Suite. Experience with loan origination and credit analysis software is a plus. Exceptional written communication with the ability to produce clear, well-supported credit presentations. Strong organizational skills and the ability to manage multiple priorities while meeting deadlines. What Makes You Successful The ideal candidate is: Analytical without losing sight of the human side of banking. Confident making recommendations backed by solid financial data. Naturally curious and eager to understand how businesses operate. Detail-oriented while maintaining efficiency and accuracy. Comfortable collaborating with lenders and senior leadership. A proactive problem solver who anticipates issues before they become obstacles. Committed to maintaining confidentiality and exercising sound professional judgment. Motivated to continue learning and advancing within commercial banking. Why You'll Love This Opportunity This position offers far more than reviewing spreadsheets. You'll work alongside experienced banking professionals, gain exposure to a wide variety of industries, and play a meaningful role in helping businesses secure the financing they need to succeed. Competitive salary of $75,000 - $110,000 Performance-based incentive opportunities Medical, dental, and vision insurance 401(k) with company match Generous Paid Time Off and paid holidays Professional development and continuing education opportunities Career advancement within a growing commercial banking organization Collaborative leadership team with a strong commitment to employee success Stable organization focused on long-term relationships and community impact #J-18808-Ljbffr