Credit Analyst / Underwriter

Credit Analyst & Commercial Underwriting SpecialistOur client, a Bank in the financial services sector, is seeking a skilled Credit Analyst to provide vital underwriting and analytical support to their Commercial Underwriting team. This is an excellent opportunity to join a dynamic environment where your expertise in financial analysis will directly impact sound lending decisions.Key Responsibilities:- Spread and analyze personal and business financial statements, including tax returns, to assess financial capacity for lending.- Use sophisticated software tools to produce and evaluate key financial ratios and identify trends related to liquidity, revenues, and profitability.- Collaborate closely with Commercial Lending officers to ensure complete and accurate documentation for new credit proposals and renewals.- Assist in evaluating loan requests vigilantly, applying credit policies, identifying risks, and preparing clear, high-quality analysis for management and credit committees.- Communicate effectively with Retail and Lending staff throughout all phases of credit review to facilitate efficient approvals.- Ensure all loan files comply with applicable laws, regulations, and internal policies.Qualifications:- 2 to 5 years of relevant experience in credit analysis or related roles.- Bachelor's degree with a concentration in Finance or Accounting.- Proficient with Microsoft Windows, Office Suite (Word, Excel), and loan processing systems.- Strong analytical skills with the ability to interpret complex documents and make well-informed decisions.- Excellent interpersonal skills, capable of building relationships with discretion, diplomacy, and tact.- Ability to handle physical demands such as lifting up to 50 pounds and remaining stationary for extended periods.Preferred Skills: Experience in CRE, C&I lending, loan structuring, financial structuring, and DSCR analysis.Work Environment: Office setting with a professional and collaborative culture.Benefits: Comprehensive health, dental, and vision coverage, plus a 401(k) plan to help secure your future. If you are a detail-oriented professional ready to advance your career in commercial credit analysis, we want to hear from you!Send us your resume or reach out to schedule a conversation and explore this exciting opportunity.