Credit Analyst III

General Responsibilities / Job Summary:

• Underwrite new and renewal commercial loan requests with a focus on profitability and risk mitigation.
• Handle complex credit structures with minimal supervision.
• Serve as a technical expert in specialized underwriting fields (e.g., Commercial & Industrial, Commercial Real Estate).
• Demonstrate strong credit analysis, structure, and risk identification with minimal need for revisions.
• Produce clear, concise underwriting memos outlining deal structure, repayment analysis, collateral, and risk mitigation.

Essential Functions / Duties:

• Uphold corporate values: LIVE, INTEGRITY, NURTURE, KNOWLEDGE.
• Maintain a positive attitude, willingness to learn, and provide superior client service.
• Prepare Credit Approval Memoranda for new loan requests, modifications, increases, renewals, and reviews.
• Gather customer background information from public agencies and reports.
• Prioritize workflow and communicate regularly with the relationship management team.
• Meet deadlines to support the bank’s loan production goals.
• Maintain documentation, including ticklers, covenants, and policy exceptions.
• Join Relationship Managers on customer calls for learning and technical support.
• Identify potential problem loans and recommend appropriate risk ratings.
• Work on projects assigned by senior credit leadership.
• Assist in training new Credit Analysts and interns.
• Perform other duties as assigned.

Minimum Qualifications Summary

• Education/Training: High school diploma or GED required; bachelor’s degree in Finance, Accounting, Business Administration, or Economics preferred; specialized bank lending training is beneficial.
• Experience: 5–10 years of commercial loan underwriting or equivalent experience.
• Knowledge/Skills/Abilities:
  • Ability to manage multiple priorities with clear guidance.
  • Strong attention to detail, problem-solving, and proactive mindset.
  • Compliance with bank policies and procedures.
  • Experience in managing vendor relationships.
  • Proficiency in Microsoft Word, Excel, and general computer skills.
  • Strong communication, leadership, and organizational skills.
  • Knowledge of loan principles, policies, financial statement analysis, and lending regulations.
• Certifications/Licenses: None required.
• Travel Requirements: Ability to travel to all bank locations as needed.
• Physical/Mental Requirements:
  • Clear verbal communication and comprehension of complex documents.
  • Ability to operate office equipment and work on a computer for data analysis and reporting.
  • Mobility to coordinate department activities; occasional lifting (up to 50 pounds).
• Working Conditions: Professional office environment with standard office equipment usage such as standard office equipment, computers, printers/copiers, phones, and postage meters.