Junior Commercial Credit Analyst

First Bank of Wyoming; Cody (WY); On-site; USD 50,000 - 70,000; Full time

Job summary

First Bank of Wyoming is seeking a Credit Analyst I to support commercial lenders across the division. You will perform competent credit analysis, spread financials, prepare credit memos, and assist with portfolio management while upholding our core values.

This entry-level role focuses on underwriting real estate, C&I, SBA, and USDA loans and requires strong Microsoft Office skills and attention to detail.

Qualifications

• 0-2 years of similar or related experience, including preparatory experience required.
• Associate's Degree in business, finance, accounting, or economics is required.
• Bachelor's Degree in business, finance, accounting, or economics highly preferred.
• An equivalent combination of education and experience may be considered.

Responsibilities

• Underwrite new and renewing commercial loan requests, including real estate, construction, commercial and industrial, and SBA 7A/504/USDA loans.
• Assist in the completion of credit memos through nCino in compliance with loan policy, procedures, and regulations.
• Understand various types and qualities of financial statements.
• Accurately spread and analyze financial statements and/or tax returns, and complete all required financial charts.
• Review loan packages for proper structure, accurate financial analysis, adequate collateral, risk rating, covenants, and approval conditions.
• Participate in loan committee meetings and discussions.
• Support loan officers with closings, portfolio management, annual loan reviews, and problem loan reporting.

Skills

Credit analysis

Microsoft Office

10-key proficiency

Attention to detail

Communication skills

Education

Associate's Degree in business/finance/accounting/economics

Bachelor's Degree in business/finance/accounting/economics (preferred)

Job description

First Bank of Wyoming is seeking a Credit Analyst I to support commercial lenders across the division. You will perform competent credit analysis, spread financials, prepare credit memos, and assist with portfolio management while upholding our core values.

This entry-level role focuses on underwriting real estate, C&I, SBA, and USDA loans and requires strong Microsoft Office skills and attention to detail.