Commercial Credit Analyst II: Underwriting & Risk

Encore Bank; Little Rock (AR); On-site; USD 60,000 - 85,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Employer-paid life insurance

Supplemental life insurance

Employee stock program

401K

Job summary

Encore Bank seeks a Credit Analyst II to underwrite moderately complex commercial loan requests, perform financial statement analysis, assess risk, and assist in credit structuring. The role collaborates with Relationship and Portfolio Managers to interpret deal terms and ensure policy compliance.

Requirements include 2–5 years in commercial credit analysis, finance or accounting degree, proficiency in MS Office, and strong written and verbal communication.

Qualifications

• Bachelor’s degree in finance, accounting, or related field.
• 2–5 years of commercial credit analysis experience.
• Strong financial statement analysis and ratio interpretation.
• Experience with cash flow analysis and tax returns.
• Excellent written and verbal communication.
• Ability to manage multiple assignments with limited supervision.
• Knowledge of business, economic, and industry risks.
• Proficiency in MS Office (Word, Excel, PowerPoint).

Responsibilities

• Independently spread financial statements and perform detailed financial analysis for commercial borrowers.
• Underwrite loan requests, including renewals and modifications, with limited oversight.
• Prepare credit underwriting, including financial analysis, risk ratings, and policy compliance checks.
• Evaluate and interpret borrower financial health using ratio analysis, cash flow modeling, and trend identification.
• Conduct industry and market research to support credit structuring and risk assessment.
• Collaborate with Relationship Managers and Portfolio Managers to understand loan requests and deal terms.
• Hone knowledge in collateral valuation and appraisal reports and environmental risk considerations.
• Perform loan portfolio monitoring by covenant checks and annual reviews and risk rating recommendations.
• Ensure credit requests align with bank policy, regulatory requirements, and risk appetite.
• Participate in internal credit discussions with stakeholders.
• Maintain knowledge of the bank’s credit policy and procedures.

Skills

Financial analysis

Ratio interpretation

Written communication

Verbal communication

Time management

Education

Finance degree

Accounting degree

Business degree

Tools

Microsoft Excel

Microsoft Word

PowerPoint

Job description

Encore Bank seeks a Credit Analyst II to underwrite moderately complex commercial loan requests, perform financial statement analysis, assess risk, and assist in credit structuring. The role collaborates with Relationship and Portfolio Managers to interpret deal terms and ensure policy compliance.

Requirements include 2–5 years in commercial credit analysis, finance or accounting degree, proficiency in MS Office, and strong written and verbal communication.