Commercial Credit Analyst II - Underwriting & Portfolio

LE001 Northwest Bank; United States; Hybrid; USD 62,000 - 110,000; Full time

Job summary

Northwest Bank is seeking a CRE Credit Analyst to perform financial statement spreading, underwriting, and credit analysis to support commercial lending and loan portfolio management. The role focuses on preparing credit memos for new money requests and may support annual reviews, renewals, and modifications.

The candidate will analyze financial statements, industry risk, and loan structure to determine creditworthiness.

Qualifications

• Bachelor’s degree in business, finance, or related discipline.
• 3–5 years of commercial lending or credit administration experience.
• Formal credit training is a plus.

Responsibilities

• Prepare high quality credit analyses and recommendations.
• Prepare and present narrative credit memos for new money requests.
• Complete annual reviews, renewals, and modifications.
• Assess borrower cash flow, repayment sources, and collateral coverage.
• Support portfolio management and OM calls.
• Ensure compliance with policy and regulatory requirements.

Skills

Financial statement analysis

Credit underwriting

Credit memo drafting

Opportunity Memo process

Risk assessment

Data integrity

Education

Bachelor’s degree in business/finance

Tools

Financial spreading software

Microsoft Office

Job description

Northwest Bank is seeking a CRE Credit Analyst to perform financial statement spreading, underwriting, and credit analysis to support commercial lending and loan portfolio management. The role focuses on preparing credit memos for new money requests and may support annual reviews, renewals, and modifications.

The candidate will analyze financial statements, industry risk, and loan structure to determine creditworthiness.