Commercial Credit Analyst

We're hiring a Commercial Credit Analyst to join a growing, high-performing commercial banking team. This mid-level role is ideal for someone who thrives on digging into the numbers, underwriting deals, and collaborating with relationship managers to evaluate risk and support portfolio growth. If you're someone who enjoys analyzing financials, structuring loans, and wants to be a key voice in the credit decision process, this could be the perfect fit.

Key Responsibilities:

Analyze financial statements, tax returns, and credit reports for commercial loan requests. Prepare financial spreads, covenant checks, and borrowing base calculations. Underwrite new commercial loans and renewals across CRE, C&I, SBA, and owner-occupied portfolios. Assist in preparing detailed credit memos and loan presentations for approval committees. Monitor existing portfolios, including tickler management, annual reviews, and risk rating updates. Evaluate collateral adequacy and structure deals in accordance with credit policy. Collaborate with lenders, relationship managers, and portfolio managers to gather financial information and ensure high-quality underwriting. Contribute to procedural improvements and policy enhancements when gaps are identified. Mentor or provide guidance to junior credit analysts as needed.

What We're Looking For:

Bachelor's degree in Accounting, Finance, Economics, or a related field. 2-4+ years of experience in credit analysis or commercial underwriting. Working knowledge of commercial lending, financial ratios, global cash flow, and credit policy. Experience with credit analysis software such as Sageworks/Abrigo is preferred. Familiarity with SBA (7a, 504) or other government loan programs is a plus. Strong analytical, organizational, and communication skills. Ability to manage multiple priorities and meet deadlines with a high level of accuracy. High level of integrity, discretion, and sound judgment when working with sensitive information.

Benefits Offered:

Competitive salary + performance-based bonus Medical, Dental, and Vision insurance 401(k) with employer match Paid Time Off (PTO) and company holidays Life and disability insurance Flexible Spending Account (FSA) or Health Savings Account (HSA) Professional development and growth opportunities Hybrid/flexible work arrangements (varies by organization) Ready to bring your credit expertise to a role where your insights shape lending decisions? We're looking for professionals who are curious, collaborative, and ready to grow in a fast-paced, community-minded environment. Send resume to crystal.fryers@gogpac.com