Credit Analyst

First Roles; Lake Charles (LA); On-site; USD 55,000 - 75,000; Full time

Job summary

First Roles seeks a Credit Analyst to support its commercial lending team. You will analyze financial statements, tax returns and cash flow for commercial and consumer borrowers, spread financials, and prepare clear credit memos that help lenders make sound decisions.

Ideal candidates have 2+ years of commercial credit analysis experience, a bachelor’s degree in Finance, Accounting or a related field, strong Excel and analytical skills, and solid knowledge of lending regulations.

Qualifications

• Bachelor’s degree in Finance, Accounting or related field.
• 2+ years of commercial credit analysis experience.
• Strong Excel and analytical skills; knowledge of lending regulations.

Responsibilities

• Analyze financial statements, tax returns and cash flow for borrowers.
• Spread financials and prepare credit memos for lenders.
• Assess risk; recommend loan structures and risk ratings.
• Monitor relationships through annual reviews and covenant tracking.

Education

Bachelor's degree in Finance or Accounting

Tools

Excel

Job description

A well-established community bank is seeking a Credit Analyst to support its commercial lending team. In this role, you will analyze financial statements, tax returns and cash flow for commercial and consumer borrowers, spread financials, and prepare clear credit memos that help lenders make sound decisions.

You will assess risk, recommend loan structures and risk ratings, monitor existing relationships through annual reviews and covenant tracking, and work closely with lenders, underwriters and loan operations to keep the portfolio healthy and compliant.

Ideal candidates have 2+ years of commercial credit analysis experience, a bachelor's degree in Finance, Accounting or a related field, strong Excel and analytical skills, and solid knowledge of lending regulations. Formal credit training is a plus. This is a permanent, full-time role with competitive pay and benefits.

All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations.