Senior Commercial Credit Analyst

Job Description

Job Description

Commercial Credit Analyst

Hybrid | Remote | In-Office (Pennsylvania & Maryland only)

Step Into a Role That Shapes Smart Lending Decisions

Are you someone who thrives on digging deep into financial data, uncovering insights, and influencing key credit decisions? If you’re analytical, highly attentive to detail, and ready to grow in a high-performing banking environment, our Commercial Credit Analyst position might be your perfect next step.

In this critical role, you’ll work closely with lenders and leadership to assess creditworthiness, evaluate financial risks, and ensure our lending decisions align with sound business practices and regulatory requirements. Whether you're in the office, hybrid, or working remotely (within driving distance), you'll be a vital part of the team ensuring the financial health of our commercial portfolio.

What You Bring to the Table

• A Bachelor’s degree in Finance, Accounting, Economics, or a related field.
• 7+ years of banking experience , with a working knowledge of commercial loan review procedures and current lending regulations.
• Local to South Central PA / Northern MD region and able to travel to the Gettysburg, PA office when needed.
• A fast learner with strong analytical skills and the ability to think critically and independently.
• Proven ability to analyze and interpret financial statements with precision and clarity.
• Excellent attention to detail , organization, and documentation skills—nothing gets past you!
• Clear and professional communication skills —you're comfortable explaining complex financial data to internal stakeholders.

What You’ll Do:

• Analyze financial statements and borrower data to assess creditworthiness and assign appropriate risk ratings on commercial loan requests.
• Prepare detailed credit write-ups and documentation to support lending decisions, ensuring compliance with internal policies and regulatory standards.
• Support relationship managers and lenders by providing timely financial analysis and insight to guide loan structuring and risk assessment.
• Monitor and stay informed on relevant industry trends, regulations, and best practices related to credit analysis and commercial lending.
• Assist in the preparation of Board and management reports , including monthly summaries of lending activity and risk trends.

Why You’ll Love This Role:

• You’ll play a direct role in supporting credit risk decisions that impact the bank’s performance and long-term success.
• Enjoy flexibility with a hybrid, in-office, or remote schedule—plus the stability of working with a well-established community bank.
• Gain exposure to diverse industries and loan types, building your knowledge and skill set in commercial banking.
• Work alongside a team that values collaboration, accountability, and professional development.
• Be part of a culture that values integrity, transparency, and thoughtful decision-making—your work will always matter here.

Benefits:

• Benefits package including Health, Dental and Vision Insurance;
• Free/low cost supplemental health insurance programs for orthopedic/imaging services and high cost prescriptions;
• 401K with up to 4% employer match;
• Generous PTO package plus 12 Bank paid holidays;
• Career growth and ongoing training and development opportunities;
• Employee recognition & service awards.

Sound like the right fit? If you’re ready to make an impact in a role that blends analysis, collaboration, and real-world lending influence, we’d love to hear from you. At ACNB Bank , we’re more than just a financial institution – we’re a community-focused team that values excellence, integrity, and innovation.

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Location: Hybrid, Remote, or In-Office

Must reside within driving distance of Gettysburg, PA: 17325, 17331, 17402, 17111, 17601, 17033, 21701, 21111, 21157, 21740

ACNB Bank is an Equal Opportunity Employer.