Commercial Credit Analyst

Now Hiring: Credit Analyst

We’re looking for a Credit Analyst who will analyze personal and business financials, create comprehensive loan approval packages, make recommendations to senior management and credit committees, monitor loan portfolio performance, and support reporting that helps guide sound lending decisions.

What You’ll Contribute:

Analyze Financials and Credit Requests

Analyze personal and business financials for potential and existing loan customers.

Evaluate financial documents, reports, causalities, and scenarios with strong logic, context, and attention to detail.

Apply sound mathematical, analytical, and big-picture thinking to support lending recommendations.

Prepare Loan Approval Packages

Create comprehensive loan approval packages that clearly summarize credit analysis and recommendations.

Identify policy exceptions and ensure documentation is accurate, complete, and organized.

Present recommendations to senior management and credit committees with clarity and professionalism.

Monitor Portfolio Performance and Support Due Diligence

Perform required monitoring of existing loan portfolio performance.

Assist in the due diligence process for audits and exams.

Handle customer, employee, and management interactions effectively and tactfully.

Maintain Reporting Tools and Loan Databases

Maintain various loan-related databases with accuracy and consistency.

Use Microsoft Excel and Power BI to create, update, and analyze loan reports.

Complete assignments with limited oversight while exercising sound judgment on when to ask questions or escalate.

Champion Our Mission, Protect What Matters

Adopt a commitment to environmental, social, economic, and racial justice.

Stay informed of applicable regulatory requirements and complete all mandatory compliance and IT training.

Pursue and demonstrate an understanding of established Bank policies, procedures, and regulations.

Question suspicious activity and collaborate closely with the respective department(s) to help prevent fraudulent activity.

What makes a stand-out candidate:

Experience & Education

Bachelor’s degree required, preferably in Finance.

Prior banking experience preferred.

Experience analyzing financial documents and reports.

Ability to communicate clearly in writing with the ability to interact effectively across customers, employees, and management.

Experience Microsoft Excel skills required; Microsoft Power BI skills preferred.

Entrepreneurial Self-Starter - You take ownership of your work product and pride yourself on delivering accurate, timely, and well-supported analysis. You are detail-oriented, resourceful, creative, and organized, with the judgment to work independently while knowing when to ask questions or escalate.

Organization & Efficiency- You manage your time like a pro and stay focused under pressure, You love a good system but also adapt to changing routines. You’re a master note-taker and checklist fanatic and stay on top of things with ease and consistency.

Master Communicator- You communicate with confidence, precision, and professionalism. You listen deeply, respond thoughtfully, and engage customers, employees, management, senior leaders, and credit committee stakeholders effectively and tactfully.

Banking & Fintech Acumen - You understand banking, credit analysis, loan documentation, and portfolio monitoring, or you are eager to deepen that expertise quickly. You can interpret financial reports and legal or credit documents, identify policy exceptions, and connect detailed financial information to the broader lending picture.

Tech-Forward and Analytical Thinking - You learn tools quickly and leverage technology to create efficiencies. You bring strong Microsoft Excel skills and are comfortable using or learning Microsoft Power BI to maintain databases, build loan reports, and support data-informed credit decisions.

Commitment to Being a Team Player - You lift others up, share ideas, and bring positive energy to everything you do. You know how to operate as a part of a larger team and love contributing to the big picture. You’re dependable and always happy to lend a hand where needed.

The Hiring Process:

Applications must be submitted through the official application link. Resumes sent via other channels may be delayed or bypassed. Processing times may vary. Candidates selected to move forward will be contacted by the hiring team.

Our process follows the Topgrading Methodology — we hire A-Players through a structured, transparent process that includes:

Cognitive and personality assessments

An application form spanning your full education and work history

3 conversation stages with key team members- get to know us!

Credit and background checks conducted before the final interview

Final Step: Connect us with former mentors and managers of our choice for reference chats.