Commercial Credit Analyst – Underwriting & Analysis

Kids for the Future; Town of Middleton (WI); On-site; USD 60,000 - 90,000; Full time

Benefits offered by this job

30+ days off per year

Great Place to Work recognition

Job summary

IncredibleBank is seeking a credit professional to develop commercial credit analysis and underwriting skills while supporting consumer and commercial lending decisions. You will evaluate borrower's financials, cash flow, collateral, and industry trends to assess creditworthiness and prepare documentation for approval.

The role includes underwriting basic commercial and consumer requests, loan renewals, and annual reviews within established guidelines, with travel as needed and a typical 40-hour

Qualifications

• Bachelor's degree in Finance, Accounting, Business or related field.
• Ability to create, review, and maintain spreadsheets, financial analyses, credit memoranda, and reports.
• Basic understanding of financial statements/accounting principles.
• Ability to learn and effectively utilize financial spreading, credit underwriting, loan origination, and banking systems.
• Strong data management, organization, and reporting skills with attention to accuracy and detail.
• Ability to communicate with internal and external customers professionally.
• High degree of resourcefulness and adaptability.
• Strong analytical and problem-solving skills.
• Ability to manage multiple priorities and deadlines.

Responsibilities

• Underwrite basic commercial credit requests within guidelines.
• Perform financial spreading and analysis of borrower financial statements and tax returns.
• Analyze loan requests, renewals, modifications, and annual reviews for creditworthiness.
• Evaluate financial statements, tax returns, cash flow, collateral, and repayment sources.
• Prepare loan presentation packages and supporting credit documentation for review and approval.
• Evaluate collateral, guarantor strength, loan structure, and monitoring recommendations.
• Develop underwriting recommendations for review by senior staff.
• Conduct industry, market, and economic research affecting borrower performance.
• Monitor credit relationships for changes and risk indicators.

Skills

Financial analysis

Credit underwriting

Data management

Communication

Education

Bachelor's degree in Finance/Accounting/Business

Job description

IncredibleBank is seeking a credit professional to develop commercial credit analysis and underwriting skills while supporting consumer and commercial lending decisions. You will evaluate borrower's financials, cash flow, collateral, and industry trends to assess creditworthiness and prepare documentation for approval.

The role includes underwriting basic commercial and consumer requests, loan renewals, and annual reviews within established guidelines, with travel as needed and a typical 40-hour