Junior Credit Analyst — Data-Driven Risk & Analysis

Bank of Wisconsin Dells; Wisconsin Dells (WI); On-site; USD 60,000 - 80,000; Full time

Benefits offered by this job

Competitive pay

Comprehensive benefits

PTO

401(k) with company match

Paid holidays

Job summary

Bank of Wisconsin Dells is seeking a Credit Analyst to join our credit team. This role suits someone with an analytical mindset who enjoys reviewing financial statements and helping the bank make sound lending decisions.

You will analyze balance sheets, income statements, cash flows, and credit reports; prepare presentations and reports for loan approvals; collaborate with lenders and credit officers; maintain organized files and support annual reviews.

Qualifications

• Review business and personal financial information including tax returns, financial statements, credit reports, and related loan documents.
• Prepare credit presentations, cash flow analysis, financial spreads, and other reports used in the loan approval process.
• Analyze balance sheets, income statements, trends, ratios, collateral values, repayment capacity, and overall credit risk.
• Learn the bank's credit policies, procedures, loan documentation standards, and regulatory expectations.
• Coursework or internship experience involving accounting, financial statement analysis, or business analytics.
• Strong attention to detail and pride in producing accurate, well-organized work.
• Comfort working with numbers, spreadsheets, reports, and financial documents.

Responsibilities

• Review business and personal financial information, including tax returns, financial statements, credit reports, and related loan documents.
• Prepare credit presentations, cash flow analysis, financial spreads, and other reports used in the loan approval process.
• Analyze balance sheets, income statements, trends, ratios, collateral values, repayment capacity, and overall credit risk.
• Work closely with lenders, credit officers, and loan support staff to gather information and complete accurate, timely analysis.
• Maintain organized credit files and support annual reviews, renewals, and ongoing portfolio monitoring.
• Learn the bank's credit policies, procedures, loan documentation standards, and regulatory expectations.
• Coursework or internship experience involving accounting, financial statement analysis, or business analytics.
• Strong attention to detail and pride in producing accurate, well-organized work.
• Comfort working with numbers, spreadsheets, reports, and financial documents.
• Good judgment, curiosity, and the ability to ask thoughtful questions when something does not add up.
• Strong written communication skills and the ability to explain financial information clearly.

Skills

Analytical mindset

Attention to detail

Numerical proficiency

Written communication

Curiosity

Education

Accounting coursework

Financial statement analysis coursework

Business analytics coursework

Tools

Excel

Job description

Bank of Wisconsin Dells is seeking a Credit Analyst to join our credit team. This role suits someone with an analytical mindset who enjoys reviewing financial statements and helping the bank make sound lending decisions.

You will analyze balance sheets, income statements, cash flows, and credit reports; prepare presentations and reports for loan approvals; collaborate with lenders and credit officers; maintain organized files and support annual reviews.