Commercial Credit Underwriter

State Bank; Luckey (OH); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Quarterly incentives up to 30%

Job summary

State Bank seeks a Credit Analyst to support the credit analysis function and assist in evaluating borrower prospects. You will review financial statements, agency reports, and interview sheets, preparing documentation for loan decisions in line with policy.

We value initiative and collaboration, offering development opportunities, strong rewards, and a path within a growing community bank.

Qualifications

• B.S./B.A. in Finance or related field preferred; specialized financial analysis training.
• Minimum three (3) years of experience in financial analysis; five (5) years preferred.
• Strong ability to read, interpret, and analyze financial statements and lending documents.

Responsibilities

• Support credit analysis function and meet departmental annual goals.
• Review financial statements, agency reports, and interview/investigation sheets.
• Analyze data to evaluate short- and long-run prospects of borrowers.
• Prepare documentation for loan recommendations or denial decisions.
• Ensure adherence to lending policies and regulatory requirements.

Skills

Financial statement analysis

Regulatory awareness

Analytical thinking

Communication skills

Interpersonal skills

Education

B.S. or B.A. in Finance

Job description

Join a high‑performing, expanding $1.5B community bank with $3.2B in total assets under our care, where people, purpose, and opportunity come together to drive meaningful impact. At State Bank, we are building a culture grounded in collaboration, innovation, and integrity, while continuing to invest in our people and the communities we serve. We value individuals who take initiative, think strategically, and are committed to both personal and organizational growth. Our approach recognizes contributions and effort, supports professional development, and provides meaningful financial rewards, including the opportunity to earn up to 30% of your annual wage in quarterly incentives. In addition, we offer opportunities to grow your career within a strong, stable, and expanding organization. If you feel you have what it takes to become part of a high‑performing team of professionals and deliver regional growth goals in a competitive landscape and enjoy strong financial recognition for your leadership and work this opportunity just might be for you.

Education

A B.S. or B.A. degree in Finance or a related field of study preferred; specialized financial analysis training.

Experience

A minimum of three (3) years of experience in financial analysis normally required; five (5) years of experience preferred.

Preferred Skills

• Proficient reading, writing, grammar, and mathematics skills.
• Moderate interpersonal relations and communicative skills.
• A thorough knowledge and understanding of current lending and loan review regulations and banking regulations, procedures, and operations.
• Proficient ability to analyze and interpret financial statements.
• Visual and auditory skills.

Role and Responsibilities

Responsible for performing administrative duties to support the credit analysis function; achieving goals as established in the assigned department's annual operating plan.

Essential Duties

• Performs administrative duties to support the credit analysis function of which the following are illustrative:
• Receives data on prospective and active borrowing accounts, i.e., financial statements, agency reports, and interview and investigation sheets.
• Analyzes data and evaluates the short- and long-run prospects of the individual or company.
• May make recommendations to appropriate personnel on the granting or denying of loans; prepares sufficient information to document recommendations, if assigned to a lending function.
• If assigned to the loan review function, may suggest a loan grade after conducting a thorough credit analysis and documentation review.
• Provides thorough documentation of all financial analysis work, including ratios and other related information.
• Ensures that all credit analysis activities are conducted in accordance with prescribed lending policy.
• Achieves goals assigned to the Credit Analyst as part of the assigned department's annual operating plan.
• Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of sexual harassment and other forms of illegal discriminatory behavior in the workplace.
• Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management, overall safety and soundness, and the bank’s compliance with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Bank Secrecy Act (BSA), Equal Credit Opportunity Act, etc.
• Coordinates departmental tasks with coworkers inside and outside the department in order to ensure an efficient process and the completion of essential tasks needing proper segregation of duties.
• Complies with established operating policies and procedures in order to maintain adequate controls and to support the Bank's adherence to outside regulatory requirements.
• Reports pertinent information to the immediate supervisor as requested, or according to an established schedule; complies information as necessary or as directed and provides date to appropriate bank personnel.
• Provides leadership, on-the-job training, and technical guidance to Credit Analyst Trainee(s).
• Provide recommendations for on-going training for the department.
• Responds to inquiries relating to his/her particular area, or to requests from other bank personnel, customers, etc., within given time frames and within established policy.
• Maintains appropriate records and provides assigned reports.

Ancillary Duties

• Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual or departmental circumstances.

Physical Requirements

• Occasionally ascends/descends stairs to move through the different floors of the location.
• Must be able to remain in a stationary position more than two-thirds of the time.
• The person in this position needs to occasionally move about inside the office to accomplish tasks.
• Frequently communicates with others to exchange information.
• Constantly moves wrists, hands, and/or fingers.
• Must be able to assess the accuracy, neatness, and thoroughness of the work assigned.
• Must be able to work around noisy environments.
• Sedentary work that primarily involves sitting/standing.