Commercial Credit Analyst

gpac; Reedsburg (WI); On-site; USD 55,000 - 75,000; Full time

Benefits offered by this job

Competitive compensation

Generous PTO and benefits

401(k) company match

Job summary

gpac is seeking a Commercial Credit Analyst to support lenders in underwriting credit extensions for commercial loan clients. The role involves detailed financial analysis, preparing credit approvals and modification requests for loan committees, and annual reviews as needed.

You will ensure compliance with credit policies, collect and spread financial statements, and maintain up-to-date client reporting while coordinating work within the department.

Qualifications

• 2+ years of experience in a bank or credit union as a Credit Analyst.
• Experience analyzing financial statements and underwriting loans.
• Ability to interpret financial ratios and trends for lending.
• Proficient in preparing reports and credit offering memorandums.

Responsibilities

• Analyses data on borrowing accounts and writes reports evaluating prospects.
• Makes loan recommendations and documents loan submissions.
• Interprets trends and ratios (cash flow to debt service, debt-to-equity, etc.).
• Prepares thorough documentation via spreadsheets and memorandums.
• Suggests a loan grade after credit analysis and review.
• Coordinates department tasks to ensure smooth information flow.
• Provides assigned reports and conducts annual reviews.

Skills

Financial analysis

Data analysis

Credit analysis

Loan submissions

Reporting

Coordination

Spreadsheet analysis

Tools

Excel

Job description

POSITION SUMMARY

The Commercial Credit Analyst will support the lenders in underwriting requests for credit extensions to new and existing commercial loan clients. The right credit analyst will perform detailed financial analysis for all lending opportunities, prepare credit approval and modification requests for presentation to loan committee by the lenders, perform annual credit reviews as needed. As a credit analyst you will ensure compliance with the organization's credit policies and procedures, timely collection and spreading of interim and annual financial statements provided by clients, and update financial information to maintain current reporting.

Primary Responsibilities

• Analyses data (i.e. financial statements, agency reports) on prospective and active borrowing accounts and prepares written reports evaluating the short and long-term prospects of the individual or company.
• Makes recommendations to Loan Officers on the granting or denying of loans and prepares sufficient information (i.e. loan submissions) to document recommendations.
• Identify and interpret trends in financial data. Interpret key financial ratios (e.g. cash flow to debt service, debt-to-equity, etc.)
• Provides thorough documentation of all financial analysis via spreadsheets and written credit offering memorandums.
• Suggests a loan grade after conducting a thorough credit analysis and documentation review.
• Coordinates specific work tasks within the department in order to ensure the smooth and efficient flow of information.
• Provides assigned reports.
• Performs annual review of loan relationships.
• Must have 2+ years experience in a bank/credit union as a Credit Analyst.

Benefits

• Competitive compensation package
• Great benefits package including: generous PTO, health, dental, vision, automatic 401(k) % contribution
• Opportunity for advancement and leadership roles

All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations.