Credit Analyst Trainee: Commercial Lending & Analysis

Civista Bancshares, Inc.; Sandusky, Northern (OH, KY); Hybrid; USD 42,000 - 63,000; Full time

Job summary

Civista Bancshares, Inc. seeks a Credit Analyst Trainee to conduct credit investigations, prepare and interpret financial statements, and analyze routine credit information for Commercial Loan Requests and Loan Reviews. The role supports credit officers and management with analysis and reporting.

Under supervision, you will learn to prepare loan presentations, summarize conclusions, and contribute to policy development while adhering to bank procedures and regulatory requirements.

Qualifications

• Bachelor’s degree (business preferred) or associate degree in business; post‑HS accounting/finance training acceptable.
• Commercial credit and lending experience is a plus.
• Knowledge of banking industry practices; strong analytical ability required.

Responsibilities

• Investigate credit information from various sources including credit bureaus, banks, and references.
• Spread and analyze financial statements using appropriate software.
• Prepare summaries and present facts on credit worthiness for loan presentations/reviews.

Skills

Analytical ability

Written & verbal communication

Interpersonal skills

Confidentiality

Time management

Attention to detail

Organizational skills

Education

Bachelor's or associate degree in business/finance

Tools

Microsoft Office

Financial statement spreading software

Job description

Civista Bancshares, Inc. seeks a Credit Analyst Trainee to conduct credit investigations, prepare and interpret financial statements, and analyze routine credit information for Commercial Loan Requests and Loan Reviews. The role supports credit officers and management with analysis and reporting.

Under supervision, you will learn to prepare loan presentations, summarize conclusions, and contribute to policy development while adhering to bank procedures and regulatory requirements.