Employee Benefits:

• Medical, Dental and Vision insurance, including FSA (Flex Spending Account)
• Paid Time Off to include select paid holidays
• Retirement Benefits with generous 401K match

Some Other Favorite Employee Benefits Include

Paid Parental Leave, Education Assistance, Employee Assistance Program, Employee Wellness Program and much more!

Join Our Team as a Credit Analyst (Levels I, II & Senior)

Love solving puzzles? Passionate about business? Ready to make an impact?

Every great business has a story and every smart lending decision starts with understanding that story.

We're looking for analytical thinkers who enjoy digging into financial data, spotting trends, asking great questions, and helping businesses succeed. Whether you're just beginning your career in commercial credit or you're a seasoned analyst ready to mentor others, we have an opportunity for you.

As a member of our Commercial Credit team, you'll work alongside experienced lenders and banking professionals to evaluate businesses, support lending decisions, and help protect the strength of our loan portfolio. Your work will directly influence the growth of local businesses and communities.

What You'll Do

No two days are exactly alike. Depending on your experience level, you'll:

• Analyze commercial financial statements, tax returns, and credit information
• Spread financial statements and evaluate borrower performance
• Identify financial trends, risks, and opportunities
• Calculate cash flow, debt service coverage, financial ratios, and collateral values
• Research industries, companies, and market conditions
• Prepare clear, well-written credit analyses and loan presentations
• Partner with commercial lenders to evaluate new and existing borrowing relationships
• Monitor financial reporting requirements and loan covenant compliance
• Investigate payment histories and review third-party credit reports
• Prepare portfolio reports and communicate potential credit concerns
• Help ensure compliance with banking regulations, policies, and lending standards
• Maintain the highest level of confidentiality and professionalism

For Experienced Analysts

If you're joining us as a Credit Analyst II or Senior Credit Analyst, you'll also have opportunities to:

• Evaluate more complex commercial lending relationships
• Recommend credit decisions based on comprehensive financial analysis
• Review commercial risk ratings and loan structures
• Perform appraisal and loan documentation reviews
• Lead research projects involving industries and commercial borrowers
• Coach and mentor developing analysts
• Collaborate with leadership on special projects and portfolio initiatives
• Support internal and external audits

What Makes You Successful

You're someone who:

• Loves solving complex business and financial challenges
• Enjoys turning numbers into meaningful insights
• Thinks critically and asks thoughtful questions
• Communicates clearly, both in writing and in conversation
• Can balance multiple priorities while maintaining exceptional attention to detail
• Works well independently and as part of a collaborative team
• Values integrity, confidentiality, and sound decision-making
• Thrives in a fast-paced, professional environment

Qualifications

Credit Analyst I

• High school diploma or equivalent
• College-level acco