Credit Analyst

The Savings Bank; Circleville (OH); On-site; USD 65,000 - 90,000; Full time

Job summary

The Savings Bank is seeking a Credit Analyst to evaluate commercial, consumer, and mortgage credits. You will underwrite, review financial data, and ensure compliance with bank policies to support loan approvals and portfolio quality.

Responsibilities include coordinating appraisals, reviewing reports, maintaining monitoring systems, and communicating with lenders while upholding confidentiality and accuracy.

Qualifications

• Solid understanding of typical commercial loan structures and underwriting.
• Ability to analyze and underwrite using personal and business tax returns.
• Background in commercial real estate and commercial/industrial underwriting.
• Strong organization and confidentiality in handling files.
• Efficient use of essential software and data tools.

Responsibilities

• Underwrite and recommend disposition of credit requests in written form.
• Adhere to loan policy and assist in application and modification.
• Review financial and collateral data for risk analysis in portfolio reviews.
• Complete systematic loan file document reviews for new loans.
• Coordinate real estate appraisals and related requirements.
• Review appraisal reports for adequacy and supporting methods.
• Maintain commercial loan financial monitoring system and data quality.
• Coordinate with external third party reviewers as needed.
• Maintain confidentiality and protect bank operations.
• Interact with lenders effectively.

Skills

Credit underwriting

Financial analysis

Tax return analysis

CRE underwriting

Communication

Regulatory knowledge

Education

Bachelor's degree in Accounting or Finance

Job description

Description

The credit analyst role is critical to the evaluation of commercial, consumer and mortgage credits. The analysis provided is relied upon by loan officers, senior leadership and the board of directors in review of loans for approval and the ongoing overall quality review of the loan portfolio.

Duties and Responsibilities

• Underwrite and recommend disposition of credit requests of the Bank in specific written form and in compliance with Bank policies after reviewing all available sources of financial, credit and collateral information.
• Adhere to Bank loan policy and assist in the application, review, and modification thereof.
• Review financial and collateral data on existing borrowing relationships, analyzing risk factors for annual portfolio reviews.
• Complete systematic loan file document review of new loans
• Control and execute the ordering of real estate appraisals to ensure that appraisal reports are requested per the scope required, and that peripheral requirements are also completed. (Flood Determinations, Environmental Issues, etc.)
• Review real estate appraisal reports to ensure appraisal scope was adequate and that the methods utilized are adequately supported by the report details.
• Maintain the commercial loan financial monitoring system on an ongoing basis so that financial information and other loan requirements are obtained and/or completed to ensure the commercial loan files are up-to‑date.
• Coordinate and serve as liaison with external contracted third party reviewer.
• Maintain customer confidence and protect Bank operations by keeping information confidential.
• Interact with Lenders in an effective manner.

Requirements

Knowledge, Skills and Abilities

• Solid understanding of typical commercial loan structures and underwriting, including global cash flow analysis
• Ability to analyze and underwrite using personal and business tax returns
• Background in commercial real estate and commercial and industrial underwriting
• Willingness to assist other credit analysts and loan officers
• Understanding of Bank Regulations
• Organization and time management
• Professionalism and confidentiality
• Strong verbal and written communications skills
• Computer literacy (Word and Excel)
• Previous experience using a financial spreading software

  Education and Experience

  • Bachelor's Degree in Accounting or Finance preferred, or relevant work experience.
  • Minimum 2-3 years of commercial credit underwriting experience is required.