Credit Analyst-Entry Level

Gpac; Washington (District of Columbia); On-site; USD 54,000 - 66,000; Full time

Benefits offered by this job

Mentorship

Exposure to multiple lending areas

Career growth opportunities

Benefits

Job summary

GPAC is seeking an entry-level Credit Analyst in Southern Illinois to support commercial and consumer lending teams. This on-site role offers hands-on training, exposure across loan types, and a clear path into commercial lending and portfolio management.

You will learn credit analysis basics through real loan requests and collaborate with experienced loan officers. The ideal candidate holds a Finance-related degree, demonstrates strong analytical skills, and shows attention to detail with

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or related field.
• Strong analytical skills and an eagerness to learn credit concepts.
• Basic comfort with financial statements and Microsoft Excel.
• High attention to detail and accuracy in written work.
• Ability to stay organized and manage multiple assignments.
• A self-starter mindset with a high level of curiosity and professionalism.

Responsibilities

• Review borrower financials, including tax returns to evaluate creditworthiness.
• Build financial spreads and cash flow projections using Excel.
• Assist in preparing loan presentations that outline risk, repayment ability, and collateral coverage.
• Support loan officers by helping structure and price loan requests.
• Participate in credit discussions and loan committee sessions (as a contributing, non-voting member).
• Document and track policy exceptions, regulatory conditions, and collateral details.
• Assist with ongoing loan reviews and help monitor portfolio performance.

Skills

Strong analytical skills

Attention to detail

Excel proficiency

Education

Bachelor's degree in Finance, Accounting, Economics, or related field

Tools

Microsoft Excel

Job description

Credit Analyst - Entry Level Southern Illinois Full-Time | Up to $60K | On-Site

A growing, community-focused financial institution is looking to bring on a motivated Credit Analyst to support its commercial and consumer lending teams. This is an excellent opportunity for a early-career professional with a passion for financial analysis and a desire to develop within the banking industry.

What You'll Do

You'll learn the fundamentals of credit analysis from an experienced team, working through real loan requests in a hands-on environment. From reviewing tax returns to preparing loan write-ups, you’ll participate in a full credit review cycle and gain exposure to commercial, agriculture, real estate, and consumer lending.

Key Responsibilities

• Review borrower financials, including tax returns and statements, to evaluate creditworthiness
• Build financial spreads and cash flow projections using Excel
• Assist in preparing loan presentations that outline risk, repayment ability, and collateral coverage
• Support loan officers by helping structure and price loan requests
• Participate in credit discussions and loan committee sessions (as a contributing, non-voting member)
• Document and track policy exceptions, regulatory conditions, and collateral details
• Assist with ongoing loan reviews and help monitor portfolio performance

What You'll Bring

• Bachelor's degree in Finance, Accounting, Economics, or related field
• Strong analytical skills and an eagerness to learn credit concepts
• Basic comfort with financial statements and Microsoft Excel
• High attention to detail and accuracy in written work
• Ability to stay organized and manage multiple assignments
• A self-starter mindset with a high level of curiosity and professionalism

What's in It for You

• Direct mentorship from experienced credit and loan officers
• Broad exposure to multiple lending areas and real customer scenarios
• Excellent pathway into commercial lending, portfolio management, or senior credit roles
• Competitive salary up to $60K plus benefits

Schedule & Work Environment

Monday-Friday, standard business hours. This position is based on-site and works closely with team members in a collaborative banking environment.

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.