Junior Credit Analyst: Risk, Analysis & Underwriting

Lincoln Fed; Lincoln (NE); On-site; USD 42,000 - 68,000; Full time

Job summary

Lincoln Federal Savings Bank in Lincoln, Nebraska is seeking a Credit Analyst I to assess loan applicants and support underwriting activities. You will analyze financial statements, credit reports, and cash flow to determine risk and structuring options.

The role targets 0–3 years of experience and offers growth opportunities within lending, risk management, and financial analysis as part of a collaborative banking team.

Qualifications

• Bachelor’s or associate degree in finance, accounting, economics, or related field.
• Strong ability to interpret financial statements and cash flow.
• Proficient in assessing borrower risk and underwriting needs.
• Clear written and verbal communication of credit findings.
• Ability to work with cross-functional teams and meet deadlines.

Responsibilities

• Evaluate creditworthiness by analyzing financial statements, credit reports, tax returns, and cash flow.
• Assess risk levels based on borrower history, income stability, and market conditions.
• Prepare underwriting memorandums detailing analysis and loan structure.
• Collaborate with loan officers to gather information and support approvals.
• Monitor loan portfolios and review borrower financial condition annually.
• Ensure accuracy of loan documentation in coordination with legal teams.
• Stay informed about industry trends and underwriting practices.
• Perform other duties as assigned.

Skills

Credit analysis

Financial statement analysis

Cash flow analysis

Regulatory/compliance awareness

Analytical thinking

Education

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

Tools

Excel

Financial modeling

Job description

Lincoln Federal Savings Bank in Lincoln, Nebraska is seeking a Credit Analyst I to assess loan applicants and support underwriting activities. You will analyze financial statements, credit reports, and cash flow to determine risk and structuring options.

The role targets 0–3 years of experience and offers growth opportunities within lending, risk management, and financial analysis as part of a collaborative banking team.