Credit Analyst II

Jobtailor; Kentucky; On-site; USD 75,000 - 110,000; Full time

Job summary

Jobtailor, based in Kentucky, is seeking a seasoned credit professional to support commercial lending operations and portfolio management. You will prepare high-quality credit analyses and memos, assess risk, and assist in annual reviews and modifications.

Ideal candidates have 3–5 years in CRE and C&I lending, strong financial analysis skills, and proficiency with financial spreading software and MS Office. Join a collaborative team and contribute to risk controls and compliance.

Qualifications

• Bachelor’s degree in business, management, accounting, finance, or related discipline.
• 3–5 years of relevant commercial lending or credit administration experience.
• Experience specifically related to CRE and C&I lending.
• Ability to perform financial statement spreading, underwriting, and credit analysis.
• Ability to analyze borrower cash flow, repayment sources, collateral coverage, and credit risk.
• Knowledge of commercial credit policy, banking rules, regulations, compliance, and audit matters.
• Ability to use financial spreading software, Microsoft Office, department-specific software.
• Ability to evaluate guarantors using personal financial statements and tax returns.
• Ability to perform loan covenant testing and maintain compliance records.
• Ability to review loan documentation for accuracy.
• Ability to work with on-site equipment and as part of a team.

Responsibilities

• Perform financial statement spreading, underwriting, and credit analysis for commercial lending and commercial loan portfolio management
• Complete credit memos for new money requests to new and existing borrowers
• Support Portfolio Management by completing annual reviews, renewals, change memos, and modifications
• Prepare timely, high-quality credit analyses and recommendations evaluating credit strengths and weaknesses
• Assess credits and finalize Opportunity Memos for presentation; participate in OM calls
• Analyze financial statements, industry risk, loan structure, and market conditions to assess creditworthiness and repayment ability
• Use financial spreading software and financial analysis tools to evaluate cash flow and repayment sources
• Conduct underwriting, identify credit risks, analyze repayment capacity, and prepare collateral coverage narratives
• Recommend credit structuring, documentation, and risk controls; determine underwriting and due diligence requirements
• Complete underwriting within expected service levels and turnaround times
• Participate in business calls with commercial lending and credit administration teams
• Maintain knowledge of macroeconomic issues in local markets and regional industries
• Maintain data integrity in the underwriting platform
• Manage compliance and audit-related matters within the area of responsibility
• Monitor workflows and procedures and suggest revisions to improve efficiency and minimize expenses
• Identify potential credit losses and mitigate risk
• Use risk-rating models to determine credit request risk ratings
• Evaluate guarantors using personal financial statements and tax returns
• Perform loan covenant testing and update covenant compliance records
• Review loan documentation for accuracy
• Provide training and support for new analysts
• Ensure compliance with Northwest policies, procedures, and Federal/State regulations
• Navigate Microsoft Office, computer applications, and department-specific software
• Work as part of a team and with on-site equipment
• Perform other related duties, projects, special-team assignments, and educational training as assigned

Skills

Financial Statement Spreading

Underwriting

Credit Analysis

Commercial Lending Experience

Compliance Knowledge

Education

Bachelor’s degree in business administration, management, accounting, finance, or related discipline

Tools

Microsoft Office

Financial Spreading Software

Department-Specific Software

Job description

• Perform financial statement spreading, underwriting, and credit analysis for commercial lending and commercial loan portfolio management
• Complete credit memos for new money requests to new and existing borrowers
• Support Portfolio Management by completing annual reviews, renewals, change memos, and modifications
• Prepare timely, high-quality credit analyses and recommendations evaluating credit strengths and weaknesses
• Assess credits and finalize Opportunity Memos for presentation; participate in OM calls
• Analyze financial statements, industry risk, loan structure, and market conditions to assess creditworthiness and repayment ability
• Use financial spreading software and financial analysis tools to evaluate cash flow and repayment sources
• Conduct underwriting, identify credit risks, analyze repayment capacity, and prepare collateral coverage narratives
• Recommend credit structuring, documentation, and risk controls; determine underwriting and due diligence requirements
• Complete underwriting within expected service levels and turnaround times
• Participate in business calls with commercial lending and credit administration teams
• Maintain knowledge of macroeconomic issues in local markets and regional industries
• Maintain data integrity in the underwriting platform
• Manage compliance and audit-related matters within the area of responsibility
• Monitor workflows and procedures and suggest revisions to improve efficiency and minimize expenses
• Identify potential credit losses and mitigate risk
• Use risk-rating models to determine credit request risk ratings
• Evaluate guarantors using personal financial statements and tax returns
• Perform loan covenant testing and update covenant compliance records
• Review loan documentation for accuracy
• Provide training and support for new analysts
• Ensure compliance with Northwest policies, procedures, and Federal/State regulations
• Navigate Microsoft Office, computer applications, and department-specific software
• Work as part of a team and with on-site equipment
• Perform other related duties, projects, special-team assignments, and educational training as assigned

Requirements

• Bachelor’s degree in business administration, management, accounting, finance, or another related discipline
• 3–5 years of relevant commercial lending or credit administration experience
• Experience specifically related to CRE and C&I lending
• Ability to perform financial statement spreading, underwriting, and credit analysis
• Ability to analyze borrower cash flow, repayment sources, collateral coverage, and credit risk
• Knowledge of commercial credit policy, banking rules, regulations, compliance, and audit matters
• Ability to use financial spreading software, Microsoft Office, computer applications, and department-specific software
• Ability to evaluate guarantors using personal financial statements and tax returns
• Ability to perform loan covenant testing and maintain compliance records
• Ability to review loan documentation for accuracy
• Ability to work with on-site equipment and as part of a team

Core Competencies

Demonstrates expertise in financial statement analysis, underwriting, and credit risk assessment within commercial lending. Proficient in using financial analysis tools and maintaining compliance with banking regulations and policies.

Highest-signal resume keywords

• Financial Statement Spreading
• Underwriting
• Credit Analysis
• Commercial Lending Experience
• Compliance Knowledge

ATS Optimization Keywords

Hard Skills

• Credit Risk Assessment
• Loan Covenant Testing
• Collateral Coverage Analysis
• Financial Analysis Tools
• Credit Structuring
• Data Integrity Management
• Financial Statement Analysis
• Repayment Capacity Analysis
• Opportunity Memo Preparation
• Credit Memo Completion

Soft Skills

• Team Collaboration
• Communication Skills
• Training and Support

Industry Keywords

• Commercial Lending
• Credit Administration
• CRE Lending
• C&I Lending
• Banking Regulations
• Audit Compliance

Tools & Technologies

• Financial Spreading Software
• Microsoft Office
• Department-Specific Software