Credit Analyst 1

Capitolbank; Madison (WI); On-site; USD 65,000 - 90,000; Full time

Job summary

Capitol Bank, a trusted community bank, is seeking a Credit Analyst to support underwriting of commercial loans. You will evaluate borrowers, guarantors, financial performance, and collateral while aligning with risk and policy standards.

You will collaborate with commercial lenders, prepare loan presentations, and mentor junior analysts as needed. Strong analytical, communication, and regulatory knowledge are essential for success.

Qualifications

• Excellent communication with customers and staff.
• Strong analytical skills and attention to detail.
• Familiar with accounting principles.
• Knowledge of banking laws, regulations, policies, and practices preferred.
• Bachelor’s degree in finance, business, accounting or economics preferred.
• Prior banking experience is desirable.

Responsibilities

• Review and evaluate commercial loan requests and annual reviews.
• Analyze business financial statements, personal financial statements, and tax returns.
• Spread financial statements and assess historical performance including strengths and weaknesses.
• Research industry trends and economic factors affecting the business.
• Perform cash flow, collateral, ratio, and trend analyses for borrowers/guarantors.
• Prepare detailed credit presentations for Loan Committees (OLC/DLC/BOD).
• Describe company background, management, and financial performance in narratives.
• Assess risks and the Bank's ability to mitigate them; determine risk ratings.
• Ensure compliance with Loan Policy (LTV, limits, collateral).
• Document loan policy exceptions and required information.
• Support Loan Operations in lending policies and procedures.

Skills

Effective communication

Customer/employee communication

Solution development

Flexibility

Team leadership

Microsoft Office

Analytical skills

Detail orientation

Accounting principles

Banking regulations

Organization

Interpersonal skills

Continuous learning

Patience

Finance/Economics education

Prior banking experience

Banking experience

Education

Bachelor's degree in finance, business, accounting, or economics

Tools

Microsoft Office

Job description

Capitol Bank, renowned for being a trusted community bank, values trust and relationships as the keystones of its success. Dedicated to delivering a rewarding and memorable banking experience, Capitol Bank leverages a profound understanding of its customers and local market insights. The Bank's ideology is rooted in the significance of each individual, championing diversity and creativity within its team to foster a culture of success. Emphasizing the importance of communication, the Bank cultivates an environment where open dialogue, diverse perspectives, and the free exchange of ideas are not just encouraged but celebrated. The determination and innovative spirit of Capitol Bank's employees are the driving forces behind accepting challenges with creativity and initiative. Recognizing and valuing exceptional contributions at all levels, Capitol Bank stands firm in its unwavering integrity, upholding high ethical standards, honesty, and a fundamental commitment to always do the right thing. Capitol Bank's mission extends beyond banking, aiming to be a team of professionals that genuinely contribute to the community's wellbeing.

Position Summary:

The Credit Analyst is responsible for assisting in the underwriting process for commercial loans by identifying, evaluating, and defining key credit risks. This position analyzes borrowers, guarantors, financial performance, repayment capacity, collateral, industry conditions, and transaction structure across a diversified commercial loan portfolio.

This position partners closely with commercial lenders, provides ongoing portfolio guidance, assists with borrower and prospect meetings, and mentors less-experienced credit analysts. The position reports to a Chief Credit Officer and supports the Bank's credit policies, risk-management standards, and regulatory compliance obligations.

Responsibilities:

• Review and evaluate commercial loan requests and annual reviews.
• Analyzing business financial statements, personal financial statements, and tax returns.
• Spreading financial statements and evaluating an entity's historical performance including strengths and weaknesses.
• Researching and analyzing industry trends and economic factors affecting the business.
• Perform cash flow, collateral, ratio, and trend analysis on borrower and/or guarantors.
• Prepare detailed credit presentations for Officer (OLC)/Director (DLC)/Board (BOD) Loan Committees.
• Preparing detailed narratives of company background, management expertise, and financial performance.
• Assess strengths, weaknesses, major risk factors, overall risk, and the Bank's ability to mitigate key risks identified.
• Completing a risk rating analysis for each loan.
• Review compliance with Loan Policy (e.g. LTV, lending limits, collateral, etc.).
• Document loan policy exceptions (e.g. LTV, lending limits, collateral, etc.).
• Compiling the required information and documents.
• Being a resource for others on Loan Policy and Lending Procedures.
• Monitoring loan renewals and collaborating with lenders to obtain all required documents and information to maintain timely loan renewals.
• Monitor financial statement exceptions and assist lenders in collecting the necessary information.
• Support Loan Operations in ensuring lending policies and procedures are followed on an ongoing basis.
• Recommend risk rating changes when applicable.
• Service and maintain loan portfolio stress testing database.
• Interact by phone and in person with customers, prospects, and COIs to obtain critical information for loan analysis and underwriting.
• Keep up with industry trends, vacancy rates, cap rates, national/state/local economies.
• Understanding and reviewing real estate valuations.
• Attend outside training and report information to the team.
• Provide administrative support and other duties as needed.
• Complete all work by following established policies and operating procedures.
• Treat all client inquiries, questions, complaints with respect and follow through.
• Maintain the Bank's goal to be accessible to the client and to provide premium quality service.
• Maintain a high level of ethical behavior with clients and prospects.
• Assist the Bank in keeping abreast of the competition in terms of rates, services, and products.
• Be aware of and support the Bank's efforts in meeting Community Reinvestment Act (CRA).

Skillset & Experience:

• Effective communication when working with customers and/or employees.
• Ability to communicate with employees and understand their functions/processes.
• Be involved in developing solutions to meet the needs of the customer and/or employees.
• Flexibility to meet changing workload; highly self-motivated.
• Be a team player and be respectful to all staff, customers, and prospects. Provide leadership where assigned.
• Proficient in Microsoft Office Suite and other applicable software.
• Must have solid analytical skills.
• Must be detail-oriented with effective written and verbal communication skills.
• Must be familiar with accounting principles.
• Be familiar with banking laws, regulations, policies, and practices preferred.
• Strong organizational skills.
• Strong interpersonal skills and the ability to articulate in front of others.
• Possess a desire to learn and expand knowledge across the organization.
• Must be flexible and patient.
• Bachelor's degree in finance, business, accounting, or economics preferred.
• Prior relevant experience desired.
• Banking experience would be preferred.

Working Conditions:

• Must be able to sit for periods greater than 45 minutes at a time.
• Must be able to stand for periods greater than 30 minutes at a time.
• Must be able to lift a minimum of 25 pounds.
• Must be able to use computer monitors for periods greater than 45 minutes at a time.
• Must be able to perform basic typing functions.
• Some area travel - approximately 5%.

Note: This job description is not intended to be all-inclusive. Employee may perform other duties as assigned to meet the ongoing needs of the Bank.