Commercial Credit Analyst I- Bank

C&F Bank; Richmond (VA); On-site; USD 59,000 - 82,000; Full time

Job summary

C&F Bank is seeking a Credit Analyst to underwrite commercial loans, analyze financial statements, and prepare credit memos. You will partner with Relationship Managers to assess risk, structure loans, and support credit decisioning.

Role includes 25% travel to the Operations Center in Toano, VA, and requires a bachelor’s degree in accounting, finance, or business with strong analytical and communication skills.

Qualifications

• Knowledge of loan structuring, covenants, and closing conditions.
• Familiar with C&I, Commercial Real Estate, and AD&C lending.
• Strong financial accounting background.

Responsibilities

• Underwriting and Risk Management: analyze loan requests and advise on structuring and pricing.
• Credit Analysis: assess borrower financial statements and cash flow.
• Credit Request Management: create memos and term sheets for credit presentations.
• Special Projects/Other: assist with client/prospect calls and ad-hoc tasks.

Job description

Overview

You’re a natural problem-solver, someone who enjoys digging into details, spotting trends, and finding clarity in complexity. At C&F, you’ll use your curiosity and analytical skills to guide sound business decisions that make a real impact.

As a Credit Analyst, you’ll evaluate financial data, assess risk, and help structure loans that meet the needs of our clients while protecting the strength of the bank. You’ll partner closely with Relationship Managers, provide insights on creditworthiness, and contribute to strategies that help local businesses grow and communities thrive.

Our ideal candidate is inquisitive, disciplined, and thorough. You enjoy exploring data as much as drawing conclusions from it. You’re confident communicating your findings and take pride in offering perspectives that help others see the full picture.

At C&F, you’ll find a culture that values precision, collaboration, and growth. You’ll be surrounded by colleagues who share your dedication to integrity and excellence, and you’ll have opportunities to keep learning every step of the way.

Functional Area of Focus:

Commercial Underwriting and Analysis

Special projects and other duties as assigned

Responsibilities

Underwriting and Risk Management (30%)

• Partner with Relationship Manager(s) and provide guidance on relevant questions to be asked of the prospective client, provides guidance on financial information to request from the client to underwrite the prospective transaction, and provides guidance and initial thoughts on structuring, utilizing Commercial Credit Analyst Manager and Underwriter as appropriate
• Analyze financial information that is required for prudent loan approval and risk management practices
• Evaluate adequacy of loan structure and makes appropriate loan structuring recommendations; such recommendations may include, but are not limited to, loan term, loan amortization, loan pricing, and loan covenants
• Provides direction and feedback to Commercial Support Specialist(s) and Relationship Manager(s) on proper workflow procedures and adherence to Bank credit policy

Credit Analysis (30%)

• Research borrower industry and market conditions (eMentor, Costar, etc.)
• Analyze borrower and any related entity financial statements
• Analyze guarantor/personal tax returns and financial statements
• Perform complete and accurate cash flow and debt service analysis to include business and global cash flow debt service coverage ratios
• Analyze collateral securing loan request, performing an independent analysis of collateral being offered and whether collateral conforms to Bank guidelines
• Present findings to appropriate loan approval body when necessary
• Develops appropriate questions resulting from credit analysis and provides such questions to the RM in an effort to complete a full underwriting

Credit Request Management (30%)

• Create Credit Request Memo used for credit presentation
• Develop Term Sheets for prospective credit requests as appropriate; prepares all Commercial Appraisal Requests, submitting such requests to Credit Administration for appraisal ordering
• Creates PowerPoint slides for credit presentation (when applicable)

Special Projects/Other (10%)

• Assist and participate in both client and prospect business development call preparation at the direction of the Relationship Manager and Credit Analyst Manager
• Assist with special projects and other duties as assigned
• Assists with other duties as assigned

Qualifications

Knowledge:

Must be able to demonstrate knowledge of loan structuring, covenants, and closing conditions as well as a proficiency in term sheet preparation and collateral perfection. Must possess a clear and demonstrable knowledge of C&I, Commercial Real Estate, and Acquisition, Development, and Construction (AD&C) lending. Strong financial accounting knowledge/background is required.

Skills:

Demonstrated analytical skills; demonstrated proficiency in the use of standard and specialized computer hardware and software packages such as Microsoft Office; demonstrated strong oral and written communication skills.

Abilities:

Read and understand a variety of reports, spreadsheets, and forms; effectively communicate information clearly through all media channels; interact effectively with clients and Bank employees at all levels; handle several tasks simultaneously and to work under time limits; must be able to effectively present findings to varied audiences.

Education:

Bachelor’s degree or higher in Accounting, Finance, or Business Management preferred. A combination of work experience and education will be considered.

Travel

Required 25% of the time from Richmond to our Operations Center located in Toano,VA.

Physical demands:

Employee may experience the following physical demands for extended periods of time: view computer monitors, keyboarding, sitting, motion of fingers/hands/wrists, and standing/walking

Work Environment:

Work is performed in an operational office environment.

Note:

This job description contains the essential functions, duties, and responsibilities of the position in accordance with the Americans with Disabilities Act (ADA). Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. C&F Bank reserves the right to make future revisions to this job description and the inherent responsibilities of the position based on the needs of the organization.

Equal Employment Opportunity Statement -- C&F is committed to providing equal employment opportunity to all qualified persons and reaffirms in policy and practice that it shall not discriminate against applicants or employees because of race, color, religion, gender, age (over 40), disability, genetic information, veteran status (disabled veterans, recently separated veterans, active duty wartime or campaign badge veterans, Armed Forces service medal veterans, and Vietnam era veterans), national origin, or any other consideration protected by applicable federal, state, or local law. This applies to all areas of employment, including promotion, transfer, layoff, termination, compensation, benefits, recruitment advertising, recruitment, and selection for training.

If hired in Virginia, the base pay for this position at C&F Financial Corporation is generally between $59,000.00 and $82,000.00 annually. Actual base pay is determined on an individualized basis, taking into account relevant experience, job-related skills, education, geographic location, and other non-discriminatory factors permitted by law.