Junior Credit Analyst

CFG Bank; Baltimore (MD); Hybrid; USD 60,000 - 65,000; Full time

Benefits offered by this job

Health benefits: medical, dental, and—

Discretionary annual bonus

401(k) with employer match

Paid time off

Overtime pay for non-exempt positions

Job summary

CFG Bank in Baltimore, MD is seeking a Junior Credit Analyst to join our Commercial Bank Team. You will analyze financial statements, tax returns, and cash flow to assess creditworthiness of commercial clients and prepare approval packages.

The role requires a Bachelor's in Accounting/Finance/Business Admin, strong communication skills, and the ability to work independently. The position offers a hybrid schedule (4 days in-office, 1 remote) after a 90-day period, with a comprehensive benefits

Qualifications

• Bachelor’s Degree in Accounting, Finance or Business Administration is required.
• Basic knowledge of economic and accounting principles is expected.
• Strong verbal and written communication skills are required.
• Ability to work independently and meet time commitments is essential.
• Working knowledge of Word and Excel is preferred.

Responsibilities

• Analyze financial statements, tax returns, and cash flow reports to assess creditworthiness for new borrowing requests.
• Prepare credit approval packages and supporting reports; participate in client discussions as needed.
• Conduct annual line renewals and term loan reviews; identify trends and advise on follow-ups to mitigate risk.
• Evaluate borrower covenant compliance and reporting requirements on an ongoing basis.
• Establish and maintain credit files; ensure accuracy and compliance with bank policies.
• Stay up to date on accounting pronouncements and financial analysis trends; support risk controls and policies.

Skills

Verbal communication

Written communication

Time management

Independent work

Attention to detail

MS Word

MS Excel

Education

Bachelor's degree in Accounting, Finance or Business Administration

Tools

Microsoft Word

Microsoft Excel

Job description

CFG Bank, based in Baltimore, Maryland, is a leading financial institution serving the national healthcare and multifamily markets and the Mid-Atlantic region. As the 6th largest bank in Baltimore by deposits and the largest locally based, we've grown from $1 billion to over $6+ billion in assets by 2026. With over 30 years of expertise, we rank among the top five healthcare bridge-to-HUD lenders in the country. At CFG Bank, we redefine banking by blending big bank capabilities with personalized boutique service. Recognized as a “Best Place to Work” by the Baltimore Business Journal across multiple years, we’re intentional about creating an environment where people feel valued, supported, and excited about work each day. Our goal is simple: to make every team member feel that choosing CFG Bank was one of the best decisions of their career. Join us and experience what sets CFG Bank apart.

Position Summary

CFG Bank is seeking a Junior Credit Analyst with to join our Commercial Bank Team in Baltimore, MD. At CFG, you will find a culture rooted in quality customer service and employee engagement, where team members are experts in their field and bring an entrepreneurial spirit to solution-based banking. This role involves evaluating and determining the credit risks of commercial clients through comprehensive analysis of financial statements, tax returns, industry and market assessments, sub-market evaluations, collateral valuations, cash flow analysis, and repayment capacity for annual debt service.

Essential Duties And Responsibilities

• Analyze financial statements, tax returns, and cash flow reports for both businesses and individuals to assess creditworthiness for new borrowing requests.
• Prepare credit approval packages and supporting reports to assist in decision-making. Participate in client discussions and calls as needed.
• Conduct annual line renewals and term loan reviews, identifying deteriorating trends and advising loan officers and management on necessary follow-ups to mitigate credit risk.
• Evaluate borrower covenant compliance and reporting requirements on an ongoing basis.
• Establish and maintain credit files, ensuring accuracy and compliance with bank policies.
• Maintain a strong understanding of bank policies, legal and compliance requirements, and market-related risks associated with credit approvals.
• Support credit administration functions, undertake special projects, and perform other assigned duties.
• Ensure adherence to the Commercial Credit Policy by verifying compliance and documenting any exceptions.
• Stay up to date on accounting pronouncements and financial analysis trends.
• Adhere to all compliance and operational risk controls in accordance with company policies and regulatory standards.
• Foster an inclusive and supportive environment in alignment with CFG Bank’s commitment to diversity and its core values.
• Uphold internal control standards by addressing audit points and resolving issues raised by internal or external regulators.
• Participate in Loan Analysis Department initiatives and complete additional responsibilities as assigned.

Qualifications And Requirements

• Bachelor’s Degree in Accounting, Finance or Business Administration.
• Basic knowledge of economic and accounting principles.
• Strong verbal and written communication skills.
• Ability to work independently and meet time commitments.
• Working knowledge of Word and Excel.

WORK ENVIRONMENT: We offer a hybrid schedule, with 4 days in-office and 1 days remote after the initial 90-day period.

Compensation Disclosure

In accordance with Maryland's Equal Pay for Equal Work Act, we are committed to providing transparent wage information for all posted job opportunities. The wage range for this position is $60,000 to $65,000 annually, plus discretionary performance based bonus. Compensation is determined based on factors such as Experience, Qualifications, and Internal equity.

Benefits And Additional Compensation

Additionally, this position includes a comprehensive benefits package and other forms of compensation, including:

• Employer-provided health benefits: medical insurance, dental & vision insurance, disability insurance, life insurance, mental health support services, wellness program & free fitness center onsite (for Baltimore-based employees)
• Paid time off: vacation days, sick leave, volunteer days
• Retirement plan: 401(k) with employer match
• Other compensation elements: Discretionary annual bonus and overtime pay for non-exempt positions

Eoe Statement

CFG Bank is an Equal Opportunity Employer as to all protected groups, including protected veterans and individuals with disabilities. If you require accommodations during the application process, please contact [e-mail].