Commercial Credit Analyst I - Underwriting & Risk

Capitolbank; Madison (WI); On-site; USD 65,000 - 90,000; Full time

Job summary

Capitol Bank, a trusted community bank, is seeking a Credit Analyst to support underwriting of commercial loans. You will evaluate borrowers, guarantors, financial performance, and collateral while aligning with risk and policy standards.

You will collaborate with commercial lenders, prepare loan presentations, and mentor junior analysts as needed. Strong analytical, communication, and regulatory knowledge are essential for success.

Qualifications

• Excellent communication with customers and staff.
• Strong analytical skills and attention to detail.
• Familiar with accounting principles.
• Knowledge of banking laws, regulations, policies, and practices preferred.
• Bachelor’s degree in finance, business, accounting or economics preferred.
• Prior banking experience is desirable.

Responsibilities

• Review and evaluate commercial loan requests and annual reviews.
• Analyze business financial statements, personal financial statements, and tax returns.
• Spread financial statements and assess historical performance including strengths and weaknesses.
• Research industry trends and economic factors affecting the business.
• Perform cash flow, collateral, ratio, and trend analyses for borrowers/guarantors.
• Prepare detailed credit presentations for Loan Committees (OLC/DLC/BOD).
• Describe company background, management, and financial performance in narratives.
• Assess risks and the Bank's ability to mitigate them; determine risk ratings.
• Ensure compliance with Loan Policy (LTV, limits, collateral).
• Document loan policy exceptions and required information.
• Support Loan Operations in lending policies and procedures.

Skills

Effective communication

Customer/employee communication

Solution development

Flexibility

Team leadership

Microsoft Office

Analytical skills

Detail orientation

Accounting principles

Banking regulations

Organization

Interpersonal skills

Continuous learning

Patience

Finance/Economics education

Prior banking experience

Banking experience

Education

Bachelor's degree in finance, business, accounting, or economics

Tools

Microsoft Office

Job description

Capitol Bank, a trusted community bank, is seeking a Credit Analyst to support underwriting of commercial loans. You will evaluate borrowers, guarantors, financial performance, and collateral while aligning with risk and policy standards.

You will collaborate with commercial lenders, prepare loan presentations, and mentor junior analysts as needed. Strong analytical, communication, and regulatory knowledge are essential for success.