Role OverviewAs a Credit Analyst, you will evaluate loan requests and financial information to support informed lending decisions while helping maintain portfolio quality and regulatory compliance. This role is responsible for analyzing creditworthiness, underwriting loan applications, conducting periodic credit reviews, and serving as a resource for lending teams on underwriting and compliance-related matters.
What You Will Do
Conduct thorough analysis of financial statements and credit requests, evaluate risk level associated with lending to potential borrowers, provide recommendations based on analysis, and maintain knowledge of credit transactions and regulatory compliance.
Why It Might Be a Fit
Strong financial analysis skills, attention to detail, and prior experience evaluating credit requests and borrower creditworthiness are essential for success in this role.
Requirements
- Bachelor's degree in accounting or finance preferred, or equivalent related experience
- Two to five years of credit experience in credit analysis or a related field
- SBA underwriting experience is a plus
- Proficiency in financial analysis software
- Ability to understand financial statements, ratios, and credit risk concepts
- Demonstrated financial institution product and service knowledge
- Ability to manage multiple and changing deadlines with limited supervision
- Proficient in Microsoft 365
- Demonstrated analytical and problem-solving skills
- Able to initiate and embrace change
- Excellent interpersonal skills, including written and verbal communication, and ability to work in a team environment
Benefits
- Potential for a hybrid work schedule
- 401k plan match, dollar for dollar up to 4%
- 401k additional employer contribution after one year at 5%
- Employee bonus program
- Medical, dental and vision insurance effective date of hire
- Health savings account (HSA)
- Flexible spending accounts for medical and dependent care expenses
- Adoption assistance for qualified expenses maximum $10,000 per child
- Wellness initiatives and reimbursements
- Pre-paid legal services plan
- Identity protection plan
- Accident supplemental plan
- Short & long term disability plans paid for by company
- Company provided basic life insurance of $50,000 plus supplemental for employee, spouse and child
- Pet Insurance
- Free financial planning assistance
- Numerous fun employee events throughout the year
- Volunteer and community engagement opportunities
- Employee loan discounts (closed-end loans)
- Service / anniversary awards
- Employee discounts for company logo wear
- Employee referral payouts for recruiting your friends and family
- Paid lunch time
- Tuition reimbursement / Education assistance
- Ongoing training opportunities
- Leadership development program
- Paid time off
- Paid holidays (13 per year)
- Flexible scheduling for students
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