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Credit Analyst-Entry Level
Job
GPAC
Mount Vernon, IL (In Person)
$60,000 Salary, Full-Time
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Job Description
Credit Analyst - Entry Level Southern Illinois Full-Time | Up to $60K | On-Site A growing, community-focused financial institution is looking to bring on a motivated Credit Analyst to support its commercial and consumer lending teams. This is an excellent opportunity for a early-career professional with a passion for financial analysis and a desire to develop within the banking industry. What You'll Do You'll learn the fundamentals of credit analysis from an experienced team, working through real loan requests in a hands-on environment. From reviewing tax returns to preparing loan write-ups, you'll participate in a full credit review cycle and gain exposure to commercial, agriculture, real estate, and consumer lending. Key Responsibilities
- Review borrower financials, including tax returns and statements, to evaluate creditworthiness
- Build financial spreads and cash flow projections using Excel
- Assist in preparing loan presentations that outline risk, repayment ability, and collateral coverage
- Support loan officers by helping structure and price loan requests
- Participate in credit discussions and loan committee sessions (as a contributing, non-voting member)
- Document and track policy exceptions, regulatory conditions, and collateral details
- Assist with ongoing loan reviews and help monitor portfolio performance What You'll Bring
- Bachelor's degree in Finance, Accounting, Economics, or related field
- Strong analytical skills and an eagerness to learn credit concepts
- Basic comfort with financial statements and Microsoft Excel
- High attention to detail and accuracy in written work
- Ability to stay organized and manage multiple assignments
- A self-starter mindset with a high level of curiosity and professionalism What's in It for You
- Direct mentorship from experienced credit and loan officers
- Broad exposure to multiple lending areas and real customer scenarios
- Excellent pathway into commercial lending, portfolio management, or senior credit roles
- Competitive salary up to $60K plus benefits Schedule & Work Environment Monday-Friday, standard business hours.