Credit Analyst
The Credit Analyst role at a community bank involves analyzing financial statements, calculating financial ratios, and preparing credit memos to support lending decisions. The position partners closely with loan officers to structure loans and monitor portfolio compliance, offering a clear path to lending or credit leadership roles within a strong credit culture.
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.
What You’ll Do
- Analyze business and personal financial statements, tax returns and cash flow.
- Spread financials, calculate ratios and global cash flow, and prepare clear credit memoranda with risk ratings.
- Partner with loan officers on transaction structuring, collateral evaluation and covenant design.
- Monitor loan portfolio performance: annual reviews, covenant compliance and maintenance of loan file documentation.
- Support examination and internal loan review preparation.
What You’ll Bring
- 1–3+ years of credit analysis, underwriting, or lending support at a bank, credit union or Farm Credit (strong entry-level candidates considered).
- Solid accounting and financial-analysis skills; comfortable using spreading software and Excel.
- Clear written communication and strong attention to detail.
- Bachelor’s degree in finance, accounting, agricultural business or related field; formal credit training is a plus.
Compensation & Benefits
- Competitive base salary plus bonus (estimated market figure shown on the original posting).
- Health, dental and vision benefits; 401(k) with employer match; paid time off.
- Formal credit training and a defined career path toward lending or credit leadership.
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.
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