Credit Analyst II — Complex Loans & Package Expert

First Bank; Charlotte (NC); On-site; USD 65,000 - 90,000; Full time

Job summary

First Bank seeks a Credit Analyst II to review borrower financials, prepare credit packages, and assist loan officers in underwriting. The role supports training of junior staff and ensures proper documentation for large, complex borrowing structures.

The candidate will analyze cash flows, industry trends, and provide accurate financial summaries for credit decisions. The position requires a college degree in business, accounting, or economics and 3–5 years of relevant experience, with

Qualifications

• Bachelor’s degree in finance-related field and 3–5 years experience in financial analysis.
• Experience with financial ratio analysis and industry analysis.
• Ability to prepare and present complex loan packages for credit review.

Responsibilities

• Assist loan officers in pre-qualifications assessment and risk analysis.
• Prepare spreadsheets and analysis of financial statements and tax returns.
• Develop comprehensive underwriting packages for large-balance loans and complex borrower structures.
• Provide guidance to junior analysts and lending officers on package preparation and process improvements.
• Support training sessions for lending officers and assist in maintaining loan portfolios.

Skills

Financial analysis

Loan underwriting

Industry analysis

Consolidated financial statements

Attention to detail

Moody’s Financial Analyst

Education

College degree in Business Administration, Accounting or Economics

Tools

Moody’s Financial Analyst

Job description

First Bank seeks a Credit Analyst II to review borrower financials, prepare credit packages, and assist loan officers in underwriting. The role supports training of junior staff and ensures proper documentation for large, complex borrowing structures.

The candidate will analyze cash flows, industry trends, and provide accurate financial summaries for credit decisions. The position requires a college degree in business, accounting, or economics and 3–5 years of relevant experience, with