Credit Analyst

A well-established, profitable community bank is seeking a Credit Analyst to join its commercial lending team in Raleigh. This is an excellent opportunity for someone looking to grow their career in commercial banking while working alongside experienced lenders in a collaborative, relationship-driven environment. Responsibilities Analyze commercial loan requests by reviewing financial statements, tax returns, cash flow, and collateral. Evaluate borrower creditworthiness and prepare detailed credit presentations and recommendations. Perform cash flow analysis, financial modeling, and risk assessments. Support commercial lenders throughout the underwriting and approval process. Monitor existing loan relationships and identify potential credit risks. Maintain accurate credit files and ensure compliance with bank policies and regulatory requirements. Utilize lending and financial software to support efficient underwriting and portfolio management. Qualifications Minimum of 2 years of commercial credit analysis or underwriting experience within a bank or financial institution. Strong understanding of commercial financial statement analysis, accounting principles, and cash flow analysis. Experience evaluating commercial loan requests and credit risk. Knowledge of banking regulations and compliance requirements. Bachelor's degree in Finance, Accounting, Business, or a related field preferred. 401(k) with 6% employer match . Medical, dental, vision, and life insurance. Opportunity for long-term career growth within commercial banking. Why Consider This Opportunity? Established, profitable community bank with an excellent reputation. Strong leadership team and collaborative credit culture. Excellent employee retention and positive work environment.Opportunity to work closely with experienced commercial lenders and gain exposure to a variety of commercial credit relationships. Ideal role for someone looking to continue building a career in commercial banking and credit. #J-18808-Ljbffr