About Careertakes

👉 Important disclosure: Careertakes is a third-party recruiting platform supporting this hiring process. If selected, you will be employed directly by our client, Accounting & Finance.

Applicants for this role may also receive access to additional matched opportunities through the Careertakes platform.

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Position Overview

This Credit Analyst role supports commercial lending and portfolio management for a confidential client in the Accounting & Finance sector. You will perform financial statement spreading and analysis, prepare credit approval documentation, monitor covenants and exposures, and assist Portfolio and Relationship Managers to help maintain credit quality in a production-driven environment.

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What You’ll Do

• Interpret and spread financial statements into bank templates or loan systems to support underwriting of commercial & C&I and commercial real estate loans
• Prepare and update loan requests, renewals, modifications, and annual reviews in the commercial loan system
• Create credit approval documentation that accurately reflects loan terms, collateral, covenants, loan grades and exposure calculations
• Monitor covenants and portfolio performance; record and track financial statements and exceptions
• Conduct industry and borrower research to inform underwriting and portfolio decisions
• Participate in internal credit discussions and relationship team meetings; explain analysis when needed
• Assist Portfolio Managers with portfolio management tasks and ad hoc projects to support business goals

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Qualifications

• Bachelor’s degree in Accounting, Finance, Business, or equivalent work experience
• Familiarity with the processes used to analyze financial data and financial statements
• Strong Excel skills; experience with Access, Word, PowerPoint and Outlook required
• Entry-level understanding of general bank operations and the commercial lending process
• Highly organized, detail-oriented, and able to manage multiple priorities under deadlines
• Clear written and verbal communication skills for collaborating with teammates and stakeholders
• Experience with nCino (or similar loan production systems) is a plus

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Preferred Skills

• Financial statement analysis and basic financial modeling
• Underwriting support for commercial loans and CRE
• Covenant monitoring and exposure calculations
• Comfortable working independently in a high-volume production environment
• Team-oriented with the ability to respond flexibly to management and client needs

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Compensation & Benefits

• Estimated base pay: $69,883 per year (estimated)
• Benefit highlights (offered by the confidential client): medical with wellness incentives, dental, vision; HSA with company match; maternity and parental leave; tuition reimbursement; mentor program; 401(k) with 6% match; and additional standard benefits

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Additional Details

• Employment type: Full time
• Degree level: Bachelor’s degree (preferred)
• Location: Lonsdale, TN (on-site or as described by the confidential client)
• Industry: Accounting & Finance

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Equal Opportunity & Hiring Transparency

Careertakes and our client are Equal Opportunity Employers committed to building a diverse and inclusive workforce. We prohibit discrimination or harassment of any kind. To support a fair and efficient hiring process, AI tools may be used to assist with application review or resume screening. These tools do not replace human decision-making. Final hiring decisions are made by people.

If you have questions about how your data is used, please contact us directly.