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Credit Analyst / Authorizer
Eau Claire, WI

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Citizens Community Federal

Senior Credit Analyst

Job Description

Senior Credit Analyst Citizens Community Federal life insurance, flexible benefit account, parental leave, paid time off, paid holidays, short term disability, long term disability, tuition reimbursement, 401(k), retirement plan, remote work United States, Wisconsin, Eau Claire 2174 Eastridge Center (Show on map) Sep 09, 2026 Description Are you an experienced credit professional with a passion for financial analysis and risk management? CCFBank is seeking a Senior Credit Analyst to play a key role in supporting our commercial and agricultural lending teams. This position combines detailed financial analysis, credit structuring, and portfolio management with opportunities to influence lending decisions, mentor developing analysts, and contribute to the Bank's continued growth and success. This position will be located on-site at our Corporate Center in Eau Claire, WI. Primary Responsibilities Performs pre-qualification assessment and analyzes financial condition and risk of financing requests in alignment with the Bank's credit culture and current economic and industry trends.

Gathers data from customers, internal and external sources.

Prepares spreadsheets and analyzes financial information including financial statements and tax returns and obtains additional information and clarification of data.

Compiles data from credit bureaus, conducts industry peer comparisons, and performs cash flow analyses and other such tasks and comparisons.

Communicates with Ag/Commercial Bankers when working credits, spreads, and ticklers.

Works in conjunction with other departments to process and service loans.

Performs site visits and/or customer meetings with bankers.

Updates and corresponds with special assets department on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken. Performs and helps complete problem loan action reports.

Participates in loan committee meetings and other credit administration meetings, provides recommendations for changes to loan policy, and engages commercial bankers and commercial support teams for process change recommendation.

Prepares reports and analyzes commercial and agriculture loan portfolio.

Assists with training and mentoring of Credit Analysts and Credit Analyst Interns.

Develops knowledge of financial industry, economy, market conditions, rates, vendors and competition.

Represents the Bank in various community, civic, and community reinvestment functions to further enhance the Bank's image and develop additional business.

Performs annual reviews on credit portfolio to establish trends ensuring proper risk rating.

Compile credit action presentation complete with accurate financial data and detailed narrative to aid in the credit decisioning process.

Assures compliance with all Bank policies, procedures and processes, and all applicable state and federal banking laws, rules and regulations; adheres to Bank Secrecy Act (BSA) responsibilities that are specific to the position.

Performs other duties as assigned. Education and Experience Bachelor's degree in accounting, finance, or related field.

Note:

Five (5) years of directly related experience in lending may be considered in lieu of the Bachelor's degree.

Three (3) years of credit analyst experience.

In evaluating candidates for this position, CCFBank may consider a combination of education, training, and experience which provides the necessary knowledge, skills, and abilities to perform the duties of this position. What's in it for you? Full Time, 40 hours per week.

Monday - Friday work week.

Competitive Pay.

Eligible for an annual bonus based on company goals and performance.

Perks:

Health, Vision & Dental Plans

Health Savings Account (HSA) with CCF Contributions

Employer Paid Life Insurance and Long Term Disability Plans

Voluntary Life Insurance and Short Term Disability Plans

Accident, Critical Illness, and Hospital Indemnity Plans

Benefits Care Advocate

Flexible Spending Account

Health Reimbursement Arrangement (HRA)

401K Retirement Plan and Company Match

Paid Time Off and Paid Holidays

Time Off for Bereavement Leave, Parental Leave, and Voting

Paid Time Off Donation

Paid Time Off Cash Out

Company-Wide Wellness Program

Employee Assistance Program (EAP)

Colleague Referral Program

Education Reimbursement Program

Career Planning

Remote Work Arrangements

Colleague Pricing on Secondary Market Mortgage Loans

Colleague Beyond Save & Spend Accounts Perks

Discount Program What can you expect from us? At CCFBank you are more than just a number, you are a partner to our team. We are dedicated to investing in our colleagues and providing them with tools they need to grow and develop their careers. We prioritize the needs of our community by allocating resources and encouraging colleague involvement across the regions we operate in. We are proud to be a part of our local communities, and we look forward to continuing to support and serve them. Learn more here about how we make more possible: https://ccf.us/careers/ Ready to be part of our financial family? Apply online at ccf.us! If you need assistance applying, contact us at HR@ccf.us and we will attempt to meet your needs. In evaluating candidates for this position, CCFBank may consider a combination of education, training, and experience which provides the necessary knowledge, skills, and abilities to perform the duties of this position. CCFBank is committed to fostering and cultivating an inclusive and diverse culture and we are proud to be an Equal Opportunity Employer, including disability and veterans.

Benefits

  • Paid Time Off (PTO)
  • Bereavement/Mental Health Leave
  • Financial Aid/Assistance
  • 401(k) Plans