Loan Analyst

Position Overview

Key Responsibilities

• Underwrite small business loan applications and evaluate borrower financials
• Analyze financial statements, tax returns, and supporting documentation for loan eligibility
• Present loan requests to internal committees for review and approval
• Monitor loan performance and track financial trends of borrowers post-funding
• Conduct variance analysis and report findings to management
• Support loan lifecycle processes from booking through servicing
• Perform bank reconciliations and assist with financial tracking
• Draft loan closing documents, payoff statements, and periodic balance statements
• Prepare board materials and meeting minutes as needed
• Assist with debt recovery documentation and servicing activities
• Maintain relationships with borrowers and respond to loan-related inquiries
• Participate in discovery calls with loan applicants and stakeholders
• Support special projects, new programs, and departmental initiatives

Required Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or related field
• 2+ years of experience in financial analysis, forecasting, budgeting, or lending
• Strong Excel skills, including financial modeling capabilities
• Experience reviewing financial statements and performing data analysis
• Familiarity with financial reporting tools and systems
• Effective communication and presentation skills

Preferred Qualifications

• 5+ years of relevant experience in lending, banking, or financial analysis
• Experience in public finance, government, or economic development environments
• Advanced degree (MBA, Master's in Finance/Economics, etc.)
• Professional certifications (CFA, CPA, CFM, or similar)
• Experience with grant funding, public-private partnerships, or loan programs

Core Competencies

• Strong analytical and problem-solving abilities
• High attention to detail and organizational skills
• Ability to manage multiple priorities in a fast-paced environment
• Effective relationship-building skills with internal and external stakeholders
• Comfortable learning new systems and adapting to evolving processes
• Ability to work both independently and within a team