Credit Team Lead – Advanced Underwriting & Analytics

German American Bank; Jasper (IN); On-site; USD 90,000 - 130,000; Full time

Benefits offered by this job

Medical benefits

Dental insurance

Vision insurance

Short/Long-term disability

Life insurance

Paid time off (17 days) and holidays

Education assistance program

Parental bonding leave

Wellness benefits

401(k) match

Job summary

German American Bank is seeking a Credit Analyst Team Lead to guide a dedicated group of analysts in evaluating commercial loan requests and delivering timely, high-quality underwriting. You will partner with Commercial Lending teams to interpret financial performance, assess risk, and promote consistent credit practices across the organization.

The role emphasizes leadership, mentorship, and continuous improvement, balancing technical credit expertise with collaboration across stakeholders to

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or related field.
• 5–7 years of experience in commercial credit analysis or banking.
• Experience leading, mentoring, or developing team members preferred.
• Strong financial statement analysis, cash flow modeling, and credit risk assessment.

Responsibilities

• Lead and develop a team of Credit Analysts to meet objectives and promote growth.
• Oversee underwriting of commercial loan requests and adherence to policies.
• Provide timely credit analysis and recommendations to lenders and credit leadership.
• Monitor risk, portfolio quality, and changes in borrower performance.
• Collaborate with Commercial Lending teams to align credit decisions with strategy.
• Drive process improvements and ensure compliance with regulatory standards.

Skills

Team leadership

Credit underwriting

Financial analysis

Cash flow analysis

Risk assessment

Communication

Detail orientation

Excel proficiency

Education

Bachelor's degree in Finance/Accounting/Economics

Tools

Credit analysis software

Financial spreading tools

Loan origination systems

Job description

German American Bank is seeking a Credit Analyst Team Lead to guide a dedicated group of analysts in evaluating commercial loan requests and delivering timely, high-quality underwriting. You will partner with Commercial Lending teams to interpret financial performance, assess risk, and promote consistent credit practices across the organization.

The role emphasizes leadership, mentorship, and continuous improvement, balancing technical credit expertise with collaboration across stakeholders to