JR CREDIT ANALYST

**Junior Credit Analyst** Credit | Banking Reports to: Credit Risk Manager **Summary of the Role** The Junior Credit Analyst performs financial and credit analysis activities that support the Bank’s commercial lending function. This role assists with underwriting, risk assessment, portfolio monitoring, and regulatory compliance while developing expertise in commercial lending and credit administration. **Key Responsibilities** - Perform credit analysis and risk rating reviews for commercial loan relationships - Prepare written analyses of borrower financial statements for new and existing commercial loans - Create financial spreads, calculate comparative ratios, and prepare credit approval memorandums within the Abrigo LOS platform - Monitor compliance with Bank policies, lending procedures, and regulatory requirements - Conduct research on borrowers, industries, and market conditions using available resources and publications - Assist with portfolio monitoring, concentration analysis, and trend reporting - Participate in lending, committee, and management meetings as appropriate - Identify potential policy exceptions and regulatory compliance concerns - Maintain current knowledge of commercial lending practices, regulatory developments, and economic conditions - Represent the Bank through professional, industry, and community activities - Perform additional duties as assigned **Skills** Credit Analysis & Risk Assessment Financial Statement Analysis Commercial Lending Fundamentals Portfolio Monitoring Data Analysis & Research Regulatory Compliance Written Communication Attention to Detail Problem Solving Microsoft Office Proficiency **Qualifications** Bachelor’s degree in Finance, Accounting, Business Administration, or related field (or equivalent experience) Knowledge of accounting principles and financial analysis techniques Strong analytical, organizational, interpersonal, and communication skills **Qualifications continued..** Proficiency with Microsoft Office applications, including Excel, Word, and Outlook Ability to learn credit underwriting, risk assessment, and commercial lending practices Working knowledge of spreadsheet applications and financial reporting tools Regular attendance is an essential function of this position Regular access to confidential customer financial, loan, and deposit information **Why Join Us** Gain hands-on exposure to commercial lending, portfolio management, and credit risk analysis while working alongside experienced banking professionals in a collaborative environment. **Work Environment & Physical Requirements** Primarily office-based role requiring prolonged sitting, computer use, and detailed analysis of financial information. Occasional standing, walking, bending, and lifting up to 10 pounds. Extended periods of computer screen use requiring close visual focus. **Equal Opportunity Employer** We are committed to creating an inclusive and diverse workplace. Employment decisions are based on qualifications, merit, and business needs without regard to any protected status.