Credit Analyst

Wisconsin Bankers Association Inc; Wisconsin; On-site; USD 60,000 - 75,000; Full time

Benefits offered by this job

Medical, dental, vision

401(k)

Job summary

The Bank of Deerfield, located in Wisconsin, seeks a Credit Analyst to gather and analyze financial data to assess a loan applicant’s creditworthiness and support lending decisions.

Successful candidates will have strong financial analysis, credit risk assessment, and regulatory compliance skills, with the ability to collaborate closely with the commercial lending team.

Qualifications

• Bachelor's degree or equivalent with 5+ years in commercial lending or financial analysis preferred
• Finance/economics/math/accounting background
• Strong problem-solving and analytical skills
• Excellent written and verbal communication
• Ability to maintain confidentiality
• Proficiency with computers and financial calculation software
• Proficiency with financial reports and statements

Responsibilities

• Examine balance sheets, income statements, and cash flow statements to assess financial stability of borrowers
• Evaluate and determine credit worthiness of applicants
• Perform cash flow analysis of businesses to assess credit risk
• Compute financial ratios to assess risk levels in lending
• Write detailed credit presentations summarizing findings
• Ensure compliance with lending protocols
• Respond to lender inquiries and review proposals from team
• Assist with company and client audits

Skills

Financial analysis

Problem solving

Written and verbal communication

Confidentiality

Computer software

Financial reporting

Education

Bachelor's degree

Tools

Financial analysis software

Job description

The Bank of Deerfield is looking for a Credit Analyst to join our team. The credit analyst is responsible for gathering and analyzing financial data to assess a new or existing loan applicant’s creditworthiness. This role requires a high level of expertise in financial analysis, credit risk assessment, and regulatory compliance, along with the ability to build and maintain strong client relationships. It also requires close working relationships with the bank’s commercial lending staff.

Key Responsibilities

• Examine balance sheets, income statements, and cash flow statements to assess a borrower’s overall financial stability Evaluate and determine credit worthiness of applicants
• Perform cash flow analysis of businesses to determine risk involved in extending credit
• Determine financial ratios to assess degrees of risks involved when providing loans and credit to borrowers
• Write detailed credit presentations summarizing findings
• Ensure compliance with lending protocols
• Respond to inquiries from lenders
• Review proposals and answer questions from team members
• Assist with company and client audits

Experience and Qualifications

• Bachelor’s degree (or equivalent experience) with 5+ years of progressive experience in commercial lending or financial analysis preferred but not required
• Background in finance, economics, math or accounting
• Strong problem-solving, research, mathematical and analytical skills
• Excellent written and verbal communication skills
• Ability to maintain confidentiality
• Proficiency with computers and computer software, like programs that aid in statistical and financial calculations
• Proficiency with financial reports and statements

Additional Information

• Competitive salary based on experience – ($60,000 – $75,000 Base Salary)
• Full benefits package including medical, dental, vision, life, disability and 401(k)