Credit Analyst

Credit Analyst

You are more than just a number; we are more than just a bank. At Tradition Capital Bank, we are partners in business and in life; building dreams and futures on one simple idea: strong one-on-one relationships.

We place our people in the right seats and position our employees to do what they love. Every person and every role matters: when we function together as One Team, we achieve extraordinary results. As each other's raving fans, we reach across titles and organizational structure to encourage one another.

Here at Tradition, we believe that when people work together with shared values and an open mind, anything is possible.

Tradition is always in the making; join us in celebrating our roots and being a part of what's next.

We're growing at Tradition and seeking a Credit Analyst for our team. This role will be centered on your underwriting experience and strengths. We require candidates to have a strong foundation in credit, with an expectation of at least 5 years of credit analyst experience at a bank. Compensation and title offered are flexible and will reflect the candidate's experience.

Analysis & Underwriting: Prepare financial spreads and credit presentations that sufficiently and appropriately summarize the sources of repayment using a risk-based approach. Demonstrate experience in analyzing and underwriting complex credits. Successfully execute work product, including; historical and projected business and personal cash flow, global cash flow, collateral analysis of real and personal property, understanding / analysis of economic and competitive environment of the borrower and/or industry, recommendation of appropriate covenants, and monitoring of other structural and risk mitigating components of the credit accommodation. Maintain knowledge of the Bank's Loan Policy.

Credit Administration: Assist lenders with on-going credit administration and portfolio management including the periodic review of borrower reporting, updating ticklers, and ongoing account monitoring for compliance with reporting requirements and covenants. Set up and maintain electronic credit files.

Documentation: Read, review and understand different loan documentation. Demonstrate experience to review documentation of all components of the approved credit accommodation.

Collaboration: Work collaboratively across credit and lending teams to identify opportunities for enhanced client service. Accompany lenders on client visits when necessary. Serve as a resource for other analysts and provides backup to fellow analysts.

Productivity: Provide prompt turnaround on customer and credit requests, while communicating the status of loans in process with lender and/or credit managers. Demonstrate the ability to work independently with minimal supervision and oversight.

A role model for our core values: Do the Right Thing, G.S.D. (Get Stuff Done), One Team, and Give Generously

Demonstrated commitment to defect free, timely, and caring customer service

Able to perform at a high level in a fast-paced environment

Flexible to change in a growing organization

Detail oriented and highly analytical

Quantitative analysis skills

Strong knowledge of financial statements

Excellent verbal and written communication skills

Knowledge of commercial and consumer lending, including C&I, CRE, residential mortgages and personal consumer loans

Proficient at Microsoft Excel, Word, Outlook and PowerPoint; strong technical ability

May have experience in Baker Hill spreading software, CoStar, and Fiserv or other Credit Risk Management Systems

An independent, quick learner

Able to prioritize and manage multiple projects/tasks

Demonstrate a collaborative work style and respect for others

Demonstrate self-motivation and present a resourceful work ethic

Is accountable for demonstrating compliance with the Bank Secrecy Act, Privacy of Consumer Financial Information and all other federal and state rules and regulations as it pertains to their position at the bank.

Keep well informed as to market conditions as it relates to assessing risk in credit transactions.

A Bachelor's Degree from four-year College or University with emphasis on business, finance, accounting or statistics and a minimum of 5 years of experience in banking (commercial and consumer lending/credit analysis); or equivalent combination of education and experience.

Level flexibility: We tailor scope and responsibility based on your experience

Meaningful exposure: Work across C&I, CRE, and consumer credit

Growth opportunity: Expand into structuring, client interaction, and leadership over time

Team-driven environment: Work alongside experienced lenders and credit professionals

Strong culture: Guided by our values—Do the Right Thing, GSD, One Team, Give Generously

Tradition Capital Bank recognizes and values everyone's unique needs for their careers, families, and individual health. That's why we offer competitive benefits to promote wellness in our employees and their loved ones, including:

Healthcare (medical with HSA, dental, and voluntary vision)

Short-term and long-term disability

Basic and voluntary life & AD&D insurance

EAP – Employee Assistance Program

Flexible spending accounts

401(k) with employer match; ability to purchase Bank stock through 401k

Paid time off & paid holidays

Family Care Reimbursement (up to $500 annually for 2026)

Wellness Time (up to 2 hours/week)

Keystone employee directed giving opportunities (annual Insight Trip opportunities, up to $500 for grants and double match dollars)

For this position, we anticipate a pay range between $100,000-$150,000 annually. Final offers will vary based on individual job-related knowledge, skills, and abilities. This position is eligible for a discretionary annual bonus based on individual and Bank performance.

While performing the duties of this job, the employee is regularly required to stand, walk, use hands to type, carry, handle and feel objects, reach with hands and arms, talk or hear. The employee must occasionally lift and/or move up to 25 pounds and more with assistance. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception in the window environment and the ability to adjust focus.

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, and filing cabinets.

Local travel is expected for this position

Tradition Capital Bank is an Equal Employment Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, creed, religion, national origin, sex, disability, veteran status, age, sexual orientation, or any other protected class under applicable federal, state, or local law.