Commercial Credit Analyst - Underwriting & Risk

IncredibleBank; Cape Coral (FL); On-site; USD 60,000 - 85,000; Full time

Benefits offered by this job

PTO 18 days

Anniversary Holiday

Birthday Holiday

Wellness Holiday

Job summary

IncredibleBank is seeking a Credit Analyst to evaluate and underwrite moderately complex commercial lending relationships. The role requires advanced credit analysis, financial statement review, and risk-based decision making.

You will collaborate with lending teams and leadership to structure loans and monitor risk across a diverse portfolio. The ideal candidate has a strong background in financial analysis, Excel modeling, and experience with multi-entity borrowing structures.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, or related field and 3–7 years of commercial credit analysis or related experience.
• Demonstrated experience analyzing commercial financial statements and assessing credit risk.
• Advanced proficiency in Excel for financial statement analysis and cash flow modeling.

Responsibilities

• Independently analyze and underwrite moderately complex commercial loan requests and annual reviews.
• Prepare comprehensive credit memoranda communicating financial performance, risks, and recommendations.
• Develop loan structures, covenants, and monitoring practices to support risk management.
• Monitor portfolio trends and advise on high-risk relationships and mitigation strategies.
• Coach junior analysts in financial analysis and underwriting practices.

Skills

Analytical skills

Credit analysis

Complex underwriting

Regulatory knowledge

Education

Bachelor's degree in Finance/Accounting/Business Econ

Tools

Microsoft Excel

Job description

IncredibleBank is seeking a Credit Analyst to evaluate and underwrite moderately complex commercial lending relationships. The role requires advanced credit analysis, financial statement review, and risk-based decision making.

You will collaborate with lending teams and leadership to structure loans and monitor risk across a diverse portfolio. The ideal candidate has a strong background in financial analysis, Excel modeling, and experience with multi-entity borrowing structures.