Credit Analyst

First Federal Savings Bank; Twin Falls (ID); On-site; USD 54,000 - 76,000; Full time

Job summary

First Federal Bank in Idaho seeks a Credit Analyst to prepare detailed credit memos and analyze commercial loan requests in line with our underwriting standards.

You will spread financial data, identify risks, and collaborate with Commercial Loan Officers throughout the underwriting process to support sound lending decisions. This role emphasizes accuracy, teamwork, and timely reporting to help communities served by Idaho’s only mutual bank and its members.

Qualifications

• Bachelor’s degree in accounting, finance, or equivalent.
• Two years of financial analysis experience preferred.
• Reliable transportation to commute.
• Ability to work with computer applications.

Responsibilities

• Prepare detailed Credit Memorandum per underwriting standards.
• Spread financial data and analyze assigned commercial requests.
• Form preliminary underwriting questions to drive loan eligibility.
• Identify and assess financial, operational, and industry risks.
• Partner with Commercial Loan Officers during underwriting.
• Perform credit risk analysis including annual reviews and covenants.
• Complete other duties as assigned.

Skills

Driven

Dedicated

Engaged

Education

Bachelor's degree in accounting/finance

Job description

Why work for First Federal Bank?

Our company culture is driven by our desire to serve our members and communities, something we have done for over 100 years. Along with doing meaningful work, enjoy perks and benefits that come along with being part of Idaho’s only mutual bank – no stockholders or majority owners, just our account members!

Eligible First Federal Bank employees receive paid vacation, sick leave, and holidays; health insurance, dental insurance, and vision insurance; 401(K) retirement with employer match; educational and student loan repayment assistance; life insurance; long-term disability insurance; loan incentives; and service recognition.

Employees also receive paid volunteer hours and can participate in our Pay-It-Forward program to give back to the communities we serve. In addition, the First Federal Foundation has provided over $1.4 million to local non‑profits since 2003. For a meaningful job and to be part of a community‑focused team, as well as much more,

The Credit Analyst will:

• Prepare the detailed Credit Memorandum within First Federal’s defined commercial underwriting standards.
• Spread financial data and prepare financial analysis for assigned commercial credit requests.
• Form preliminary questions to drive underwriting and loan eligibility.
• Identify and assess potential risks associated with the credit, including financial, operational, and industry‑specific risks.
• Partner with Commercial Loan Officers (CLO) throughout the underwriting process.
• Perform credit risk analysis as requested by a CLO, including annual reviews, monitoring loan covenants, and assisting with asset classification. The Credit Analyst will escape concerns to CLO, supervisor, or Chief Credit Officer (CCO).
• Complete other duties as assigned.

Minimum Qualifications

• Driven: Hard-working, self‑motivated, and strives for excellence.

Seeks opportunities to contribute, learn, and grow. Brings positive energy, initiative, and collaboration to help the team and Bank win.

• Dedicated: Committed to the success of colleagues, customers, and the Bank.

Has a team‑first attitude—caring more about the team’s success than personal recognition. Follows through on commitments and takes ownership for results.

• Engaged: Cares about their job and the Bank’s success.

Energetic, curious, and focused on their work and the Bank’s mission. Collaborates with purpose and builds internal and external relationships.

• A bachelor’s degree in accounting, finance, or equivalent.

Preferred Qualifications

• Two (2) years working experience in the analysis of financial information (financial statements, tax returns, etc.).

Job Requirements

• Reliable transportation to/from work.
• Sitting or standing for extended periods of time and requires ability to work and operate computer applications and equipment.
• Able to perform essential responsibilities of the job with or without reasonable accommodations.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.