Junior Credit Analyst - Mentored, Entry-Level Growth

Community Bank of PA; Washington (Washington County); On-site; USD 45,000 - 65,000; Full time

Job summary

Community Bank seeks a Junior Credit Analyst in Washington, PA to support commercial credit underwriting through financial analysis, tax return analysis, cash flow review, and portfolio monitoring. You will spread financial statements and prepare credit presentations under supervision.

Under mentorship from senior analysts, you will develop underwriting and risk assessment skills, track covenants, collect documents, and contribute to risk ratings and annual reviews.

Qualifications

• Minimum of a bachelor's degree in finance, accounting, or related field required.
• 0-2 years of banking, accounting, financial analysis or related business experience preferred.
• Requisite - Foundational understanding of accounting principles.

Responsibilities

• Analyze financial statements, tax returns, credit reports to evaluate borrower repayment capacity and creditworthiness.
• Calculate and analyze credit metrics including leverage, liquidity, profitability, and debt service coverage.
• Review borrowing requests for compliance with internal lending policies and credit standards.
• Assist in preparing credit memoranda with relevant financial data and borrower background.
• Monitor loan covenants and financial reporting requirements for assigned accounts.

Skills

Advanced Excel proficiency

Microsoft Office Suite

Education

Bachelor's degree in finance, accounting, or related field

Job description

Community Bank seeks a Junior Credit Analyst in Washington, PA to support commercial credit underwriting through financial analysis, tax return analysis, cash flow review, and portfolio monitoring. You will spread financial statements and prepare credit presentations under supervision.

Under mentorship from senior analysts, you will develop underwriting and risk assessment skills, track covenants, collect documents, and contribute to risk ratings and annual reviews.