Credit Analyst II

The Credit Analyst II supports informed commercial lending decisions by analyzing financial and credit information for new and existing customers at a wellestablished, reputable bank. This role prepares financial spreads, ratios, and credit memos; assists with loan structuring, renewals, and documentation; and monitors industry and economic trends. The position offers excellent benefits and the opportunity to work collaboratively with loan officers and external partners in a stable, relationshipfocused banking environment. Apply now!Work Model:On-SiteWhat You Will Do:Prepare and distribute financial spreads, ratio analysis, and credit memorandums using CASH and other analytical toolsEvaluate financial statements, credit information, and industry data to determine creditworthiness and loan performanceCollaborate with customers, accountants, and legal counsel to gather, confirm, and clarify financial documentationAssist with the preparation, tracking, and maintenance of loan documentation, collateral perfection, and reporting requirementsContribute to loan structure recommendations and support ongoing portfolio management through annual reviews, renewals, and amendmentsTrack economic, market, and industry conditions to identify potential impacts on credit riskConduct site visits, address customer concerns, and recognize opportunities for additional relationship growthProvide research, comparative data, and analytical support to loan officers and lending teamsWhat You Will Need to Be Successful:Bachelor's degree in accounting, finance, or economics (or equivalent experience)2+ years of relevant credit or financial analysis experienceBenefits Overview:Health, dental, and vision insurance401k