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Now viewing: Bank Credit Analyst
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W3Global
Bank Credit Analyst
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Job Description
Job SummaryA financial institution is seeking a Credit Analyst to join its team. In this role, you will evaluate the creditworthiness and financial strength of individuals or businesses to determine lending risk and make recommendations on loan approvals, credit limits, and terms. Your expertise will help guide lending decisions, mitigate risks, and ensure compliance with banking regulations. The ideal candidate will possess strong analytical skills, a solid understanding of financial concepts, and excellent client communication abilities to support strategic growth and risk management objectives.
ResponsibilitiesAnalyze financial statements, cash flow statements, balance sheets, income statements, and credit reports.
Assess borrowers' ability to repay loans and identify potential credit risks.
Prepare credit analyses, loan underwriting, and credit approval recommendations.
Review loan applications and supporting financial documentation.
Calculate and evaluate financial ratios, debt-service coverage, leverage, liquidity, and profitability.
Monitor existing loan portfolios for changes in borrower performance and credit risk.
Recommend appropriate loan structures, collateral requirements, covenants, and credit limits.
Conduct industry and market research to understand business and economic risks.
Prepare credit memos and present recommendations to senior credit officers or loan committees.
Ensure lending decisions comply with bank policies, regulatory requirements, and risk-management standards.
Work with relationship managers, commercial bankers, loan officers, and risk teams.
Maintain proficiency with document imaging and monitoring systems.
Record minutes of loan committee meetings.
Support Credit Administration with special projects.
RequirementsExperience in financial analysis, credit analysis, or commercial lending within a banking or financial services environment.
Bachelor's degree in Finance, Accounting, Economics, Business, or a related field.
Strong financial statement and credit analysis skills.
Knowledge of commercial lending, loan underwriting, and credit risk.
Proficiency in Microsoft Excel, Word, and financial modeling.
Strong analytical, mathematical, communication, and writing skills.
Strong attention to detail and ability to make sound risk-based decisions.
Position DetailsFull-time positionMonday through Friday, 8:00 a.m. to 5:00 p.m., with occasional extended hours as necessaryWork arrangement: In person
ResponsibilitiesAnalyze financial statements, cash flow statements, balance sheets, income statements, and credit reports.
Assess borrowers' ability to repay loans and identify potential credit risks.
Prepare credit analyses, loan underwriting, and credit approval recommendations.
Review loan applications and supporting financial documentation.
Calculate and evaluate financial ratios, debt-service coverage, leverage, liquidity, and profitability.
Monitor existing loan portfolios for changes in borrower performance and credit risk.
Recommend appropriate loan structures, collateral requirements, covenants, and credit limits.
Conduct industry and market research to understand business and economic risks.
Prepare credit memos and present recommendations to senior credit officers or loan committees.
Ensure lending decisions comply with bank policies, regulatory requirements, and risk-management standards.
Work with relationship managers, commercial bankers, loan officers, and risk teams.
Maintain proficiency with document imaging and monitoring systems.
Record minutes of loan committee meetings.
Support Credit Administration with special projects.
RequirementsExperience in financial analysis, credit analysis, or commercial lending within a banking or financial services environment.
Bachelor's degree in Finance, Accounting, Economics, Business, or a related field.
Strong financial statement and credit analysis skills.
Knowledge of commercial lending, loan underwriting, and credit risk.
Proficiency in Microsoft Excel, Word, and financial modeling.
Strong analytical, mathematical, communication, and writing skills.
Strong attention to detail and ability to make sound risk-based decisions.
Position DetailsFull-time positionMonday through Friday, 8:00 a.m. to 5:00 p.m., with occasional extended hours as necessaryWork arrangement: In person
Compensation:
$40,000-$60,000 per yearBenefits401(k) with employer matchDental insuranceHealth insuranceVision insuranceBenefits
- Health Insurance
- Dental Insurance
- Vision Insurance
- Other Retirement and Savings