Business Banking Credit Analyst

EagleBank; Bethesda (MD); On-site; USD 70,000 - 109,000; Full time

Job summary

EagleBank in Bethesda, MD, seeks a Business Banking Credit Analyst to underwrite commercial loans by analyzing borrowers’ credit history, financial performance, and market trends. You will assess collateral feasibility and prepare proformas to support lending decisions.

The role requires 3+ years in commercial credit analysis, experience with spreading software, and formal credit training. Competitive annual salary with potential for additional compensation based on experience.

Qualifications

• Bachelor’s degree in BA/BS in Business, Finance, Economics or related field.
• 3 years of analysis in commercial credit or middle-market experience.
• Web-based credit training through RMA or Omega or similar programs.
• Experience with spreading software; credit, financial analysis, and data analysis knowledge.

Responsibilities

• Underwrite new and existing commercial loans by analyzing borrower credit history, financial performance, trends, collateral, and feasibility.
• Spread and analyze financial statements, real estate spreadsheets, tax returns, A/R & A/P aging, and proformas/forecasts.

Skills

Credit analysis

Financial analysis

Data analysis

Spreading software

Education

BA/BS in Business, Finance, Economics or related field

Tools

Spreading software

Job description

Overview

We are a values driven organization putting Relationships FIRST. EagleBank (NASDAQ – EGBN) is focused on being Flexible, Involved, Responsive, Strong, and Trusted. By prioritizing meaningful connections with our customers, employees, and shareholders, we relentlessly deliver the most compelling, valuable service to our customers.EagleBank is committed to inclusion, equity, and respect. We celebrate diversity and intentionally seek out opportunities to learn from one another’s experience. We believe employees are essential to the building of relationships and we prioritize investing in employee growth and wellbeing. Employee involvement is fostered through resource groups, mentorship programs, community service, and scholarship opportunities for continued education. With features including maternity and parental leaves, wellness discounts, healthcare premium sharing, employer funding in your HSA account, and 100% 401(k) matching up to 4%, we pride ourselves in the ways we support our internal relationships. The minimum and maximum projected annualized salary for this position is: $69,844.00 to $108,847.00. Additional compensation may be possible based on experience and skills.

Responsibilities

The Business Banking Credit Analyst underwrites new and existing commercial loans through analysis of borrower's credit history, financial performance, current market trends, collateral, and feasibility. Spreads and analyzes financial statements, real estate spreadsheets, tax returns, A/R & A/P agings and proformas/forecasts for commercial loans

Qualifications

Requirements:

• Bachelor’s Degree in Arts/Sciences (BA/BS) in Business, Finance, Economics or related field in lieu of 3 additional years of experience in commercial credit, financial statement analysis and formal credit training
• Web-based credit training through RMA or Omega or similar programs
• 3 years analysis in commercial credit or middle-market experience
• Experience with spreading software
• Credit, financial analysis, and data analysis knowledge

Preferences:

• Formal credit training program
• Leadership or supervision experience
• Other banking experience
• Knowledge of Bank Processes and Operations