Credit Analyst I

JOB DESCRIPTION

Job Title

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Credit Analyst I

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Grade

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9

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Department

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Credit Department

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Status

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Non-exempt

Reports To

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SVP Credit Officer

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Date

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Aug-2026

OVERVIEW

Performs credit analysis for new money loan requests and annual loan reviews on existing loans in the commercial loan department as assigned, in conformance with established policies, procedures and objectives. Be highly coachable in learning the GCB underwriting methods. Performs all duties in accordance with prescribed regulatory and compliance guidelines.

** ESSENTIAL DUTIES/RESPONSIBILITIES **

• Prepares financial analyses of new and/or existing credits. Makes interpretive analysis of corporate financial statements and tax returns (including spreading financial statements when appropriate) with trend analysis and comparison to industry peers, analysis of Personal Financial Statements, tax returns and credit reports with debt-to-income ratio calculations and prepares Commercial Loan Proposals for use in loan decision making and Commercial Loan Reviews for use in assessing risk ratings for existing loan relationships.
• Assist in maintenance of systems to ensure commercial loan files are organized and contain up to date financial statements, real estate appraisals, current proof of insurance, officer memorandums, loan reviews and any other items that may be requested from time to time.
• Become proficient in utilizing The LoanVantage commercial software platform
• Responds to a variety of inquiries and confirmations on commercial loan customers. Complete credit inquiries, property inspections, and other loan related inquiries as needed.
• Prepare monthly and other recurring reports for use in Board reports and administration of commercial loan portfolio.
• Assist in preparing loan presentations for the Account Officers and Board and Security Committee meetings.
• Performs related and unrelated duties as needed.

** MINIMUM QUALIFICATIONS **

Associate’s or Bachelor’s Degree in finance or accounting plus 6-12 months related banking experience, or equivalent specialized course work and training plus one year credit related experience desired. Reasonable knowledge of accounting, credit analysis and loan documentation a plus. Good analytical, communication and interpersonal skills. Proficiency in Microsoft Word, Excel, Access, Crystal, and Insight software preferred.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.

** PHYSICAL REQUIREMENTS **

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit; use hands to handle or feel objects, keyboard, tools or controls; reach with hands and arms; and talk and hear. The employee is frequently required to stand and walk. Specific vision abilities required by this job include close vision and the ability to adjust focus.

The employee should be able to handle file records. Must occasionally lift and/or move up to 10 pounds.

SUPERVISORY SCOPE

None

Greenfield Cooperative Bank is an Equal Opportunity Employer including Veterans/Disabled. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.

Know Your Rights: Workplace Discrimination is Illegal