Credit Analyst

First Roles; New Iberia (LA); On-site; USD 70,000 - 100,000; Full time

Job summary

First Roles is seeking a Credit Analyst to support its commercial lending team. You will analyze financial statements, tax returns and cash flows for borrowers, spread financials and prepare clear credit memos to aid lending decisions.

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

Qualifications

• 2+ years of commercial credit analysis experience.
• Bachelor's degree in Finance, Accounting or related field.
• Strong Excel and analytical skills.
• Knowledge of lending regulations.
• Formal credit training is a plus.

Responsibilities

• Analyze financial statements, tax returns, and cash flow for borrowers.
• Spread financials and prepare credit memos.
• Assess risk and recommend loan structures and risk ratings.
• Monitor relationships through annual reviews and covenant tracking.
• Collaborate with lenders, underwriters and loan operations to keep portfolio healthy and compliant.

Skills

Excel

Analytical skills

Credit analysis

Education

Bachelor's degree in Finance or Accounting

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.