Credit Analyst, Commercial Lending & Risk Assessment
Overview
Own credit analysis for a $1B+ commercial portfolio at a family-owned community bank. Partner with loan officers to underwrite CRE and C&I credits, delivering risk assessments that shape lending decisions. Work onsite in Phoenix with a collaborative team, using Sageworks and other tools to drive accuracy. This role offers direct exposure to deal structuring and customer meetings, setting it apart from typical analyst positions.
What You'll Do8
- 1Analyze financial statements, tax returns, and supporting docs to assess creditworthiness for CRE and C&I lines.
- 2Prepare credit presentations, loan summaries, and annual reviews with clear risk ratings and mitigants.
- 3Evaluate cash flow, repayment capacity, and financial trends, flagging key risks for loan officers.
- 4Partner with loan officers to gather data, structure credits, and support client relationships.
- 5Join customer and prospect meetings to understand borrower needs and inform credit decisions.
- 6Review peer credit work, offering constructive feedback to maintain portfolio quality.
- 7Use Sageworks and similar platforms to streamline analysis and maintain data integrity.
- 8Manage multiple deadlines, prioritizing tasks to deliver accurate work on time.
Requirements7
- 13-5+ years of credit analysis experience in commercial lending at a bank or credit union.
- 2Bachelor's degree in finance, accounting, business, or related field.
- 3Proven ability to dissect complex financial statements, including business and personal tax returns.
- 4Strong written communication skills to present credit risk and recommendations clearly.
- 5Detail-oriented with organizational and time management skills to handle competing priorities.
- 6Experience with Sageworks or similar credit analysis software preferred.
- 7Ability to thrive in a fast-paced environment, managing multiple deadlines.
Salary Insight
$83 - $119k per year
Location
Required Skills
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