Credit Risk & Financial Analysis Analyst

First Commonwealth Bank; Pittsburgh (Allegheny County); On-site; USD 65,000 - 90,000; Full time

Job summary

First Commonwealth Bank is seeking a Credit Analyst to assess credit risk by analyzing financial statements and related data. You will prepare comprehensive reports to inform lending decisions and monitor ongoing creditworthiness of loan relationships.

The role requires strong knowledge of commercial lending, financial modeling, and proficiency with banking software and MS Office. Collaboration with loan officers and adherence to policies are essential.

Qualifications

• Knowledge of commercial lending and loan review regulations.
• Ability to analyze financial statements and distill conclusions.
• Strong communication across bank platforms and customers.
• Ability to multitask under tight deadlines and manage time.

Responsibilities

• Perform credit analysis tasks on loan requests and existing relationships.
• Break down statements, analyze results, and compare to prior periods.
• Prepare reports summarizing borrower creditworthiness for lending decisions.
• Value collateral when needed and review appraisals.
• Assign Risk Ratings and monitor quarterly client data.

Skills

Credit analysis

Financial statement analysis

Communication skills

Time management

Banking regulations knowledge

Education

Bachelor's degree in Accounting/Finance/Economics

2+ years related experience

Tools

Microsoft Office

Banking software

Job description

First Commonwealth Bank is seeking a Credit Analyst to assess credit risk by analyzing financial statements and related data. You will prepare comprehensive reports to inform lending decisions and monitor ongoing creditworthiness of loan relationships.

The role requires strong knowledge of commercial lending, financial modeling, and proficiency with banking software and MS Office. Collaboration with loan officers and adherence to policies are essential.