Credit Analyst

• Spread and analyze borrower & guarantor financial statements and tax returns.

• Calculate key metrics (liquidity, leverage, profitability, DSCR as applicable) and summarize trends and variances for reviewer consideration.

• Gather, organize, and validate required underwriting information for new and renewal requests; identify missing items early and communicate gaps to the lender/credit team.

• Draft and assemble sections of the bank’s credit memorandum, including clear identification of repayment sources, key strengths/weaknesses, and requested terms for senior review.

• Support collateral and secondary support review by summarizing available information (appraisal highlights, lien position, basic borrowing base information if applicable) and elevating concerns/questions.

• Support portfolio monitoring by maintaining financial reporting and covenant/borrowing base ticklers as assigned; document follow-up actions and exceptions per process.

• Can acquire and apply a working knowledge of bank products and services

• Follow Bank Code of Conduct and other related policies and regulations, maintaining integrity, honesty and utmost ethical standards at all times

• Possess strong mathematical skills

• Can read and write well enough to communicate in both oral and written form

• Possess basic computer skills

• Demonstrate attention to detail and ability to maintain accuracy in daily duties

• Uphold confidentiality and customer privacy in all situations

• Remain flexible to withstand unpredictable changes to workflow and schedules

• Interact and communicate effectively with various types of external and internal customers.

• Display ability to be resourceful, to act independently and to recognize unusual situations in which higher intervention may be necessary

• Maintain a customer-focused, helpful, friendly and polite attitude while remaining calm and professional in a variety of circumstances

• Present a conservative, neat and professional appearance in dress and action

The Credit Analyst supports the Bank’s lending function by assisting in the analysis of financial information, creditworthiness, and risk associated with consumer and commercial loan requests. This role is responsible for preparing accurate and timely credit documentation, spreading financial statements, and supporting senior analysts and lenders in underwriting activities. The Credit Analyst develops foundational credit skills while helping ensure loans are structured in a safe, sound, and compliant manner consistent with the Bank’s policies, regulatory requirements, and commitment to serving our communities.