Credit Analyst - Full Time (40 Hrs/Wk)

IncredibleBank; Town of Middleton (WI); On-site; USD 55,000 - 85,000; Full time

Benefits offered by this job

Over 30 days off per year

18 days PTO to begin with

Anniversary Holiday

Birthday Holiday

Wellness Holiday

12 bank holidays

Job summary

IncredibleBank is seeking a Credit Analyst to develop commercial credit analysis and underwriting skills while evaluating consumer and commercial lending relationships. The role analyzes borrower financial information, cash flow, collateral, industry trends, and market conditions to assess creditworthiness and support lending decisions.

Responsibilities include underwriting basic commercial requests, financial statement analysis, loan presentations, and collaboration with lenders.

Qualifications

• Bachelor's degree in Finance, Accounting, Business or related field required.
• 0–2 years relevant commercial credit/lending experience or equivalent.
• Ability to create, review, and maintain spreadsheets and financial analyses.

Responsibilities

• Underwrite basic commercial credit requests within guidelines.
• Perform financial spreading and analysis of borrower statements and tax returns.
• Analyze loan requests, renewals, and annual reviews for creditworthiness.

Skills

Credit analysis

Underwriting

Financial spreading

Loan evaluation

Data accuracy

Education

Bachelor's degree in Finance, Accounting, Business

Job description

JOB REQUIREMENTS: Credit Analyst - Full Time (40 Hrs/Wk) Location: 8329 Murphy Drive, Middleton, WI, 53562, United States Employee Type: FT Regular Exempt Contact Information Name: brittney bierman Email: [e-mail] Description We know what you’re thinking. “What kind of name is IncredibleBank? Well, we’re glad you asked. With a name like IncredibleBank, we have a lot to live up to. Our name is a promise we make every day to our customers and to our team members (and hey, that could be you!). A promise that we strive to be incredible in everything we do. A promise that will help our customers, fellow team members, and our communities to do the incredible.

About the Role

We are eager to discuss the prospect of you joining our team as our next incredible team member! This position is responsible for developing commercial credit analysis and underwriting skills while supporting the evaluation of consumer and commercial lending relationships. Under policy guidelines, the position analyzes borrower financial information, cash flow, collateral, industry trends, market conditions, and other risk factors to assess creditworthiness and support sound lending decisions.

• Underwrite basic commercial credit requests and smaller new money lending opportunities within established authority and department guidelines.
• Perform financial spreading and analysis of borrower financial statements and tax returns to support underwriting and credit decisions.
• Analyze commercial and consumer loan requests, renewals, modifications, and annual reviews to assess creditworthiness and provide information that supports sound lending decisions.
• Analyze financial statements, tax returns, cash flow, collateral, guarantor support, and repayment sources to evaluate borrower capacity, identify potential risks, and determine the strength of repayment prospects.
• Prepare loan presentation packages and supporting credit documentation for review and approval by senior analysts, management, and loan committees.
• Evaluate collateral support, guarantor strength, loan structure, and borrower performance to assist in developing risk rating, covenant, and monitoring recommendations that support effective risk management.
• Develop and present underwriting recommendations for review by senior credit personnel and designated approvers.
• Conduct industry, market, and economic research to understand external conditions that may impact borrower performance, cash flow, and long‑term viability.
• Monitor assigned credit relationships for changes in financial condition, covenant compliance, collateral values, and other risk indicators to identify emerging concerns and support proactive portfolio management.
• Collaborate with lenders and relationship managers to gather information, evaluate financing alternatives, and support credit structures that appropriately balance customer needs and risk.

This is a regular full-time, salaried exempt position, averaging approximately 40 hours/week. Schedule may vary between the hours of 8:00 am to 5:30 pm CDT Monday through Friday. This position will work on-site at our IncredibleBank branch location in Middleton, WI. Intermittent travel may be required based on business and/or customer needs.

About You

You do what is right over what is easy. You don’t settle for good enough. You’re driven to learn and grow. You recognize your impact on the customer experience, regardless of your role. Those attributes are just a few things our incredible employees have in common. And, we’d be so excited to learn a little more about you and discuss your interest in joining our team!

Our recommended and preferred qualifications are: Bachelors degree in Finance, Accounting, Business or related field and 0-2 years relevant commercial credit/lending experience, or equivalent combination of education and experience. Ability to create, review, and maintain spreadsheets, financial analyses, credit memoranda, and reports. Basic understanding of financial statements/accounting principles Ability to learn and effectively utilize financial spreading, credit underwriting, loan origination, and other banking systems. Strong data management, organization, and reporting skills with attention to accuracy and detail. Ability to communicate with internal and external customers in a professional manner. A high degree of resourcefulness and adaptability. Strong analytical and problem-solving skills Ability to manage multiple priorities and deadlines

Our Benefits and Compensation

Our promise of ICE extends to our employees as well. Our employees are our greatest asset, and we strive to show our appreciation by offering top‑tier benefits and, dare we say, more than competitive compensation that we’re willing to discuss up front. And we are constantly evaluating and improving our benefits. In fact, eligible employees receive over 30 days off per calendar year! That includes 18 days of PTO to begin, PLUS an Anniversary Holiday, Birthday Holiday, Wellness Holiday, and 12 observed Bank Holidays. Check out our total rewards package at: https://www.cbmicrosite.com/incrediblebank

About the Company

IncredibleBank first started in 1967 as River Valley Bank with a single location in Rothschild, WI. And we may have strong roots in community banking, but IncredibleBank wasn’t awarded as one of America’s Most Innovative Banks by the Independent Community Bankers of America for our popcorn Fridays. Though we do love free popcorn… We strive to stay on the leading edge of banking technology with the goal providing the best, simplest way for our customers across the country to do their banking. But if our customers need us, they can pick up the phone and talk to a real person. And that’s what makes us America’s first national online community bank. And who doesn’t love the idea of a national community? Today, IncredibleBank is a $2.0 billion-asset institution that has grown to 17 brick-and-mortar locations with customers in all 50 states. But we know that as an employer, it’s less about size than it is about culture. That’s why we’re especially proud to have been certified as a Great Place to Work. Learn more about our Great Place To Work Engagement Results Here https://www.greatplacetowork.com/certified-company/7022621 PI287136205