Credit Analyst

West Bank; West Des Moines (IA); On-site; USD 70,000 - 95,000; Full time

Job summary

West Bank in West Des Moines, Iowa (Headquarters) is seeking a full-time, in-office Credit Underwriter. You will analyze financial statements, assess repayment risk, and support lending decisions for existing and prospective customers.

The role emphasizes building compliant credit packages, monitoring loan portfolios, and generating clear reports for lenders and management. Strong written and verbal communication, plus ability to multi-task, are essential.

Qualifications

• Bachelor's degree in finance or accounting required.
• Formal commercial credit training and banking experience preferred.
• Must be organized, able to multi-task, and have excellent oral and written communication skills.

Responsibilities

• Credit Underwriting – analyze financial statements and assess borrower risk.
• Monitor Existing Loan Portfolio – review financials and prepare spreads for lending staff.
• Reporting – prepare and disseminate reports to end users in a timely manner.

Skills

Credit underwriting

Financial statement analysis

Reporting

Communication

Education

Bachelor's degree in finance or accounting

Tools

Excel

Job description

Full-Time West Des Moines, Iowa (Headquarters), In Office Posted on 10/20/2026

Career Details

Full-Time West Des Moines, Iowa (Headquarters), In Office Posted on 10/20/2026

Note: This position requires on‑site presence and is not a remote role.

Purpose: Conduct analysis and interpretation on existing and prospective customers. Analyze repayment risk of loan opportunity and suggest mitigates.

Essential Duties & Responsibilities:

• Credit Underwriting – Work with commercial lenders to fully understand and analyze the financial condition of existing and prospective customers through analysis of financial statements. Spread financial statements/tax returns of the borrower/prospects both individual and business. Ensure Bank credit policies and procedures are maintained and in compliance with all established guidelines. (45%)
• Monitor Existing Loan Portfolio – Analyze financial statements of existing clients. Prepare spreads for use by lending staff. Complete annual reviews. (35%)
• Reporting – Prepare and/or pull and disseminate reports to end users throughout the bank. Ensure reports are accurate and delivered in a timely manner. (10%)
• Other Duties As Assigned - Respond to requests for special analysis and projects as required by supervisor or management. (5%)
• Build Strong Communities: Participate in community events, including staffing at least one event (art festivals, community celebrations, etc.), representing West Bank as requested by attending at least one luncheon, dinner, or reception, and participating in at least one community festival (parades, bank-sponsored outreach events, etc.) per year. (5%)

Qualifications (Include Education and Experience): Bachelors degree in finance or accounting required; formal commercial credit training and previous banking experience preferred. Must be organized, able to multi-task, and have excellent oral and written communication skills to facilitate communicating with management, lenders, borrowers, and others as required.