Commercial Credit Risk Analyst

BELL BANK; United States; On-site; USD 70,000 - 100,000; Full time

Benefits offered by this job

Healthcare benefits

Employee stock ownership program

401(k) with profit sharing

Job summary

Bell Bank is seeking a Commercial Credit Risk Analyst to assess borrower capacity and credit quality for the bank's commercial loan portfolio. You will analyze financial statements, identify trends, and prepare independent credit evaluations to support lending decisions.

The role requires 2–4 years in credit or lending, underwriting experience preferred, and the ability to contribute to loan committees and risk policy adherence.

Qualifications

• Bachelor's Degree in accounting, finance, business administration, or related field.
• 2-4 years of credit, lending or examining experience.
• Strong preference of underwriting experience.

Responsibilities

• Spread and analyze commercial financial statements, for existing and prospective clients. Provide preliminary recommendation regarding the feasibility of the credit request.
• Prepare independent, written credit evaluation of new, renewal or modification loan proposals as well as annual credit reviews.
• Identify trends and analyze performance in order to develop an assessment of credit risks.
• Participate in the maintenance of the accuracy of the bank's loan risk rating system and validate that loan risk ratings accurately reflect the risks inherent in the credit.
• As required, monitor credit quality through the review financial information such as interim financial statements, to provide early warning of possible deterioration.
• Attend joint client calls with commercial officers, when appropriate.
• Provide input to lending officers on terms under which a credit request could be structured including costs, repayment methods and collateral requirements.
• Participate in loan committees as needed.
• Develop and maintain a thorough understanding of the Bank's credit policies, procedures, processes and manage to best practices.
• Assist Credit Manager and/or Credit Officer Team Lead(s) with the training and development of staff as requested.
• Participate in the administration of the Bank's loan policy and ensure adherence to loan conditions.
• May also support other credit risk management activities including those related to preparation of executive management and/or board of directors' reports, internal or external audits, and regulatory examinations.
• Provide guidance to loan document representative and commercial loan coordinator in preparation of loan documentation.
• Provide support to the secondary exposure approval process for ACH requests as needed.
• Mentor other Bank team members in the credit administration process.

Skills

Credit risk analysis

Financial statement analysis

Communication skills

Time management

Education

Bachelor's degree in accounting/finance/business

Job description

Bell Bank is seeking a Commercial Credit Risk Analyst to assess borrower capacity and credit quality for the bank's commercial loan portfolio. You will analyze financial statements, identify trends, and prepare independent credit evaluations to support lending decisions.

The role requires 2–4 years in credit or lending, underwriting experience preferred, and the ability to contribute to loan committees and risk policy adherence.