Junior Credit Analyst: Learn & Grow in Commercial Banking

Automatic Data Processing, Inc.; Washington (Washington County); On-site; USD 42,000 - 62,000; Full time

Job summary

Community Bank is seeking a Junior Credit Analyst to support underwriting through financial analysis, risk assessment, and portfolio monitoring in a fast-paced bank environment.

You will assist with financial statement spreading, tax return analysis, cash flow assessment, and collateral review under senior supervision. This role develops foundational underwriting and portfolio management skills while learning regulatory guidelines.

Qualifications

• Bachelor's degree in finance, accounting, or related field.
• 0-2 years of banking, accounting, financial analysis or related business experience preferred.
• Requisite - foundational understanding of accounting principles.
• Authority - operates within a structured framework with limited decision-making autonomy.

Responsibilities

• Analyze personal and business financial statements, tax returns, credit reports, and other financial information to assess borrower creditworthiness.
• Calculate and analyze leverage, liquidity, profitability, and debt service coverage metrics.
• Review borrowing requests for compliance with internal lending policies and credit standards.
• Analyze trends in borrower performance and identify credit risks.
• Assist in evaluating collateral adequacy through appraisals and reports.
• Support the preparation of credit memoranda with data and borrower background.
• Collaborate with lending officers to collect documentation and clarify borrower information.
• Monitor loan covenants and financial reporting requirements for accounts.
• Maintain organized credit files in accordance with audit and compliance standards.

Skills

Financial analysis

Credit analysis

Cash flow

Credit metrics

Collateral review

Credit memos

Covenants monitoring

Regulatory compliance

Education

Bachelor's degree in finance or accounting

Tools

Microsoft Excel

Job description

Community Bank is seeking a Junior Credit Analyst to support underwriting through financial analysis, risk assessment, and portfolio monitoring in a fast-paced bank environment.

You will assist with financial statement spreading, tax return analysis, cash flow assessment, and collateral review under senior supervision. This role develops foundational underwriting and portfolio management skills while learning regulatory guidelines.