Commercial Credit Analyst: Loan Risk & Analysis

Waterfall Bank; Clearwater (FL); On-site; USD 65,000 - 90,000; Full time

Job summary

Waterfall Bank is seeking a Credit Analyst to assist commercial lenders by analyzing credit data and financial statements to assess risk in lending decisions. You will generate financial ratios, evaluate cash flows, and identify risks related to loan quality and collateral.

The role requires 2+ years in credit analysis, a Business Finance degree or related experience, and strong written and financial analysis capabilities to support loan recommendations and timely decisions.

Qualifications

• 2+ years of experience as a Credit Analyst.
• Bachelor’s degree in Business Finance or related experience.
• Proven written communication and financial analysis skills.
• Self-starter with ability to work under tight deadlines.
• Understanding of banking regulations and best practices.
• Detail oriented with good communication and analytical skills.
• Ability to work in a fast-paced environment.
• Solid organizational skills.

Responsibilities

• Assist commercial lenders by analyzing credit data and financial statements to determine risk in extending credit or lending money.
• Generate financial ratios to evaluate borrower’s financial status and debt service capacity.
• Detail identifiable risks associated with credit quality of loans and collateral.
• Interpret financial data and make loan recommendations to lenders and loan committee.
• Confer with loan officer on borrower’s identified financial deterioration.
• Monitor maturing loans and gather information for extensions or modifications.

Skills

Credit analysis

Financial analysis

Communication

Education

Bachelor’s degree in Business Finance

Job description

Waterfall Bank is seeking a Credit Analyst to assist commercial lenders by analyzing credit data and financial statements to assess risk in lending decisions. You will generate financial ratios, evaluate cash flows, and identify risks related to loan quality and collateral.

The role requires 2+ years in credit analysis, a Business Finance degree or related experience, and strong written and financial analysis capabilities to support loan recommendations and timely decisions.