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

This Credit Analyst role supports lending decisions across commercial and consumer portfolios. You will evaluate borrower creditworthiness, prepare recommendation packages, monitor portfolio performance, and help ensure underwriting and regulatory compliance.

• Analyze financial statements, tax returns, credit reports, and cash flow to assess ability to repay.
• Conduct credit risk assessments for commercial and consumer loan requests.
• Prepare clear, well-documented credit analysis reports and loan recommendations for approval committees.
• Evaluate industry trends, market and economic conditions that affect borrower risk.
• Monitor existing loans for changes in financial performance or credit quality.
• Ensure lending actions follow internal policies and regulatory requirements.
• Collaborate with loan officers, relationship managers, and underwriters to structure financing solutions.
• Participate in periodic loan reviews and portfolio stress testing.
• Maintain accurate loan files and documentation.

---

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or related field.
• 2–5 years of experience in credit analysis, commercial banking, or financial analysis (entry-level roles may consider internships or related experience).
• Strong understanding of financial statement analysis and credit risk assessment.
• Knowledge of banking regulations and lending best practices.
• Proficiency in Microsoft Excel and financial analysis tools.
• Strong analytical, organizational, and problem-solving skills.
• Clear written and verbal communication skills.
• Ability to manage multiple priorities and meet deadlines.

---

Preferred Qualifications

• Experience in commercial lending or corporate banking.
• Credit-related certifications (CFA, CRC, CBA or similar) are a plus.
• Familiarity with credit underwriting systems and financial modeling.

---

Key Skills

• Financial statement analysis
• Credit risk assessment
• Loan underwriting support
• Financial modeling
• Attention to detail
• Critical thinking and judgment
• Risk management
• Data analysis
• Communication and presentation
• Time management
• Regulatory compliance
• Customer relationship management

---

Work Environment & Career Growth

Credit Analysts typically work in branch or office settings at banks, credit unions, or financial institutions. This role requires close collaboration with relationship managers and lending teams during standard business hours; occasional extended hours may be needed during high-volume periods or reporting deadlines.

Typical career progression: Senior Credit Analyst → Credit Manager → Commercial Relationship Manager → Portfolio Manager → Underwriting Manager → Commercial Banking Officer.

---

Compensation

• Estimated pay: $74,014 per year (estimated figure from source). Exact compensation and benefits will be set by the hiring organization.

---

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.