Credit Analyst

Credit Analyst

The Credit Analyst is responsible for supporting the Bank's credit underwriting process by performing preliminary financial analyses and risk assessments of new and existing clients. This role assists in preparing credit memos, gathering financial documentation, and ensuring compliance with internal policies and regulatory standards. Working under the guidance of senior analysts, the Credit Analyst contributes to the accuracy and timeliness of credit decisions while developing foundational skills in commercial credit evaluation.

Employee success is built on integrity, adaptability, client experience, productivity, accuracy, and collaboration.

The Credit Analyst is responsible for:

• Assist in the review and analysis of financial statements, tax returns, and credit reports to evaluate borrower creditworthiness.
• 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 in the development of risk ratings and provide input on credit approval decisions.
• Maintain full compliance with federal, state, and internal lending regulations.
• Identify and implement process improvements to enhance operational efficiencies and risk mitigation.
• Comply with government, regulatory, and Bank policies and procedures.

Other duties may be 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.
• Minimum of two years of experience as a Junior Credit Analyst required.

Key competencies:

• Requisite Requires foundational expertise in relevant credit analysis principles, 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:

• Working experience with financial analysis and credit underwriting skills.
• Working understanding of banking regulations, loan documentation, and risk management principles.
• Proficient in Microsoft Office Suite, financial modeling software, and loan origination systems.
• Strong organizational skills and attention to detail.
• 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.

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.

Reasonable accommodation may be made to enable qualified individuals with disabilities to perform essential job functions.

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.

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

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.