Credit Analyst I

Position Summary

The Credit Analyst I supports the Bank's commercial lending function by analyzing financial information, preparing credit underwriting documentation, monitoring portfolio risk, and assisting with ongoing credit administration activities.

The Credit Analyst I develops foundational commercial credit skills through financial statement analysis, cash flow evaluation, industry and market research, support of routine loan review activities, and preparation of credit memorandums for standard commercial credit relationships.

Essential Functions

Credit & Financial Acumen

• Analyze business and personal financial statements, tax returns, interim financial information, collateral documentation, and other borrower data to assess creditworthiness.
• Calculate and interpret key financial ratios, cash flow metrics, debt service coverage, leverage trends, and repayment capacity.
• Assist in preparing credit presentations, underwriting analyses, annual reviews, renewals, modifications, and risk-rating recommendations.
• Research industry, economic, and market conditions to identify potential risks and opportunities that may impact borrower performance.
• Verify accuracy and completeness of financial information used in underwriting and credit analysis.

Credit Administration

• Prepare and maintain credit files, financial spreads, relationship summaries, and supporting loan documentation.
• Assist in preparation of loan approval reports, including the assessment of risk.
• Coordinate collection of borrower financial statements and other required information.
• Ensure analyses, reports, and documentation are completed accurately and within established timelines.
• Evaluate all aspects of real estate collateral for consumer and commercial loans, including but not limited to verifying valuations are completed within regulatory requirements and in accordance with bank policies.
• Assist with ongoing monitoring of commercial credit relationships, including covenant compliance, financial reporting requirements, annual review schedules, and exception tracking.
• Support compliance with loan policy, underwriting standards, lending authorities, and regulatory guidance.

Operational Excellence

• Manage workload efficiently to deliver high-quality results within required timeframes.
• Ensure documentation is complete, current, and audit-ready in accordance with policy and regulatory requirements.
• Maintain reliable and predictable onsite and remote work attendance to meet business and customer needs.

Culture & Values

• Demonstrate respect for others by fostering an inclusive, collaborative, and professional work environment.
• Embrace curiosity by seeking to learn, improve, and identify opportunities for growth and innovation.
• Act with integrity by maintaining accountability, following policies and procedures, and doing what is right for customers, colleagues, and the Bank.
• Promote authenticity through honest and forthright communication as well as transparency.
• Strengthen unity by working cooperatively across teams, supporting shared goals, and contributing to a positive culture.