The Credit Analyst supports the commercial lending function by underwriting loan requests, preparing credit packages, and ensuring timely and accurate analysis of borrower financials. This role is part of the production-facing credit team and plays a critical role in supporting loan growth and maintaining credit quality.
Key Responsibilities
Analyze financial statements, tax returns, and borrower creditworthiness
Prepare credit approval packages for new loans, renewals, and modifications
Underwrite deals across:
Commercial Real Estate (CRE)
Construction & Development
C&I lending
Manage multiple deals simultaneously at varying levels of complexity
Partner with Credit Managers to refine deal structure and mitigate risk
Ensure completeness and accuracy of credit files before submission
Support ongoing deal flow and meet expected turnaround times
Utilize systems (e.g., nCino) to input and manage deal data
Assist with revisions and re-underwriting as needed
Performance Expectations
Manage a pipeline of multiple deals simultaneously (typically 4–5+)
Deliver high-quality work with attention to detail
Meet turnaround expectations based on deal complexity (not volume-based quotas)
Qualifications
Bachelor’s degree in Finance, Accounting, or related field
1–5+ years of credit analysis or underwriting experience (for experienced roles)
Strong financial analysis and modeling skills
Understanding of commercial lending structures
Ability to work in a fast-paced, deadline-driven environment
Strong organizational and communication skills
Career Path & Growth
Defined progression:
Credit Analyst I / II
Senior Credit Analyst
Portfolio Manager (client-facing exposure)
Opportunity to transition into lending or leadership roles over time
Work Environment
In-office role (limited remote flexibility)
Collaborative team environment with exposure to senior leadership