Junior Credit Analyst: Financial Insights & Risk

Civista Bank; Sandusky (OH); On-site; USD 42,000 - 62,000; Full time

Job summary

Civista Bank is seeking a Credit Analyst Trainee to assist in credit investigations, prepare financial statement spreads, and analyze routine credit data for commercial loan requests and reviews. The role supports loan officers and management with timely credit information.

The candidate should have a business-focused degree, strong analytical and communication skills, proficiency with Microsoft Office, and familiarity with financial spreading software. Training is provided under supervision.

Qualifications

• Bachelor’s or associate degree with accounting/finance focus; post‑HS training acceptable.

Responsibilities

• Investigate credit information from reporting services, bureaus, references, and internal data.
• Spread and analyze financial statements with appropriate software.
• Prepare summaries and opinions on credit worthiness under supervision.
• Summarize conclusions for Loan Presentations and Reviews.
• Analyze market and industry data and management teams.
• Support Credit Administration projects and reporting tasks.
• Understand bank credit policies and regulatory changes.
• Maintain loan analysis data and reporting requirements.

Skills

Analytical ability

Written & verbal

Microsoft Office

Financial spreading software

Time management

Education

Bachelor’s degree (business preferred)

Associate’s degree in business or accounting/finance

Tools

Excel

Access

PowerPoint

Financial statement spreading software

Job description

Civista Bank is seeking a Credit Analyst Trainee to assist in credit investigations, prepare financial statement spreads, and analyze routine credit data for commercial loan requests and reviews. The role supports loan officers and management with timely credit information.

The candidate should have a business-focused degree, strong analytical and communication skills, proficiency with Microsoft Office, and familiarity with financial spreading software. Training is provided under supervision.