Junior Credit Analyst

Junior Credit Analyst

Classification : Exempt

Reports To: Director of Commercial Credit Administration

Department: Credit

Our Mission:

Community Bank partners with individuals, businesses, and communities

to realize their dreams, protect their financial futures and improve their lives.

Our Core Values:

At Community Bank, we are committed to fostering a workplace that reflects our core values. We believe in:

• Taking Care of Each Other.
• Always Doing the Right Thing.
• Being a Great Teammate.
• Working Hard to Achieve Our Goals.
• Giving and Expecting Mutual Respect.
• Enjoying Life Every Day.
• Being Positive.
• Having a Sense of Urgency.

Summary/Objective:

The Junior Credit Analyst is responsible for supporting the Bank's commercial credit underwriting process through financial analysis, credit investigation, risk assessment, and portfolio monitoring. This position assists with financial statement spreading, tax return analysis, cash flow analysis, collateral review, and preparation of commercial credit presentations.

Working under the guidance of senior credit personnel, the Junior Credit Analyst contributes to sound credit decisions while developing foundational underwriting and portfolio management skills.

Essential Functions:

• Analyze personal and business financial statements, tax returns, credit reports, and other financial information to assist in evaluating borrower repayment capacity and creditworthiness.
• Calculate and analyze key credit metrics including leverage, liquidity, profitability, and debt service coverage.
• Review borrowing requests for compliance with internal lending policies and credit standards.
• Analyze trends in borrower financial performance and identify strengths, weaknesses, and emerging credit risks.
• Assist in evaluating collateral adequacy through review of appraisals, financial information, and collateral reports.
• Support the preparation of credit memoranda with relevant financial data, borrower background, and initial risk assessments.
• Collaborate with lending officers and relationship managers to collect necessary documentation and clarify borrower information.
• Monitor loan covenants and financial reporting requirements for assigned accounts.
• Maintain organized records of credit files, financial statements, and underwriting documentation in accordance with audit and compliance standards.
• Learn and apply regulatory guidelines, internal credit policies, and industry best practices.
• Assist in tracking portfolio performance and identifying early warning signs of credit deterioration.
• Receive mentorship and training from senior analysts to build proficiency in credit structuring and risk analysis.
• Assist in monitoring ongoing credit quality by tracking covenants, portfolio trends, and borrower performance.
• Assist with annual credit reviews, loan renewals, and periodic relationship assessments.
• Assist in the development of risk ratings under supervision
• Participate in underwriting discussions with lenders and credit administration personnel.
• Maintain full compliance with federal, state, and internal lending regulations.
• Contribute ideas for process improvements to enhance operational efficiencies and risk mitigation.
• Comply with government, regulatory, and Bank policies and procedures.

Other Duties:

• Perform other duties assigned, in support of departmental goals and organizational priorities.

Education and Experience:

• Minimum of a bachelor’s degree in finance, accounting, or related field required.
• 0-2 years of banking, accounting, financial analysis or related business experience preferred.

Key Competencies:

• Requisite – Requires a foundational understanding of relevant accounting principals, with the ability to apply established procedures effectively in a professional setting.
• Authority – Operates within a structured framework with limited decision-making autonomy, primarily executing tasks in alignment with established policies and directives. Responsibilities focus on supporting operational functions.
• Analytical – Requires analyzing and categorizing information, requiring sufficient judgment to conduct routine assessments and make appropriate decisions.
• Supervision – Operates in an independent capacity, focusing on executing assigned tasks without direct supervisory responsibilities. While collaboration with colleagues and departments is essential, the position does not involve overseeing staff or managing personnel.
• Interpersonal Relations/Customer Service – Requires well-developed communication and relationship-building to engage with clients, coworkers, and the public.
• Ethics/Integrity – Possesses a comprehensive understanding of industry best practices, professional behaviors, and the applicable laws, rules, and regulations that govern ethical business conduct. Consistently upholds the highest standards of integrity, demonstrating unwavering commitment to fairness, compliance, and respect in all interactions. Fosters a workplace culture rooted in professionalism, accountability, and ethical decision-making.
• Adaptability – Knowledge of successful approaches, tools, and techniques to seamlessly transition processes, optimize workflows, and foster resilience in evolving environments.
• Productivity – Manages workload effectively, ensuring tasks are prioritized and executed with efficiency. Maintains a purposeful approach, consistently meeting goals and objectives while optimizing resources and time management.
• Quality - Identifies opportunities for improvement and delivers high-quality outcomes within established deadlines.

Knowledge and Performance Expectations:

• Demonstrated successful completion in accounting, finance, financial statement analysis, economics or related disciplines.
• Working understanding of financial statements, financial ratios and risk management principles.
• Ability to calculate, interpret credit metrics including DSCR, leverage, liquidity and cash flow analysis.
• Demonstrates initiative by researching questions before seeking assistance.
• Proficient in Microsoft Office Suite, with advanced Excel proficiency.
• Strong organizational skills, attention to detail, maintaining a high level of accuracy.
• Strong communication, interpersonal, analytical, mathematical, and critical thinking skills.
• Comfort with working in a dynamic environment where priorities can shift quickly.
• Ability to work both independently and collaboratively with colleagues across various departments maintaining a professional demeanor.
• Efficiently perform the essential duties and responsibilities of the position.
• Consistently attend work, meetings, and required training or staff events.

Work Environment and Physical Demands:

The work environment is typically a professional office setting within a financial institution, which may include branch locations, administrative offices, and client-facing areas. Employees are expected to maintain a high level of professionalism and confidentiality in accordance with banking regulations and company policies.

Work is generally performed indoors in a climate-controlled environment with standard office equipment such as computers, telephones, printers, and copiers.

Physical demands of the position may include, but are not limited to:

• Prolonged periods of sitting or standing at a workstation or services counter.
• Manual dexterity and fine motor skills for operating computers, handling documents, and using standard office equipment.
• Routine walking within the office or branch to attend meetings, assist clients, or perform job-related tasks.
• Visual acuity to read printed materials, review electronic documents, and perform detailed work.
• Auditory ability to regularly communicate effectively in person and over the phone.
• Sustained concentration and attention to detail are critical for performing analytical tasks and ensuring accuracy.
• Occasional physical movements such as standing, reaching, bending, and twisting may be necessary.
• Light lifting, up to 10 pounds, may be required to transport files, office supplies, or small equipment.

Accommodation:

The work environment and physical demands described provide a detailed representation of what employees might encounter in the workplace while performing the essential duties of the job. Reasonable accommodation may be made to enable qualified individuals with disabilities to perform essential job functions.

Work Schedule and Availability:

The Bank maintains a standard 40-hour work week to ensure operational consistency and employee engagement. While some schedule flexibility is required based on location assignments, availability during core business hours (8:00 a.m. to 5:00 p.m.) is essential for supporting key functions.

Travel Requirements:

Periodic travel is required to other branch locations or offsite venues for training, meetings, or operational support. Travel is typically planned.

EEO Statement:

Community Bank is an equal employment opportunity employer.

This job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change, or new ones may be assigned at any time with or without notice.