Senior Commercial Credit Analyst

First Commonwealth Bank; Pittsburgh, Northern (Allegheny County, KY); Hybrid; USD 60,000 - 75,000; Full time

Job summary

First Commonwealth Bank is seeking a Credit Analyst in Pittsburgh to perform credit analyses, analyze financial statements and prepare risk assessments for loan approvals.

The role requires strong analytical skills, proficiency in financial modeling, and knowledge of banking regulations. You will collaborate with loan officers and management to ensure accurate credit decisions and timely reporting.

Qualifications

• This role requires strong credit analysis and financial modeling skills.
• Knowledge of commercial lending and banking regulations is essential.
• Excellent written and verbal communication across stakeholders.

Responsibilities

• Perform tasks for the credit analysis process.
• Conduct credit investigations and analyze loan information.
• Break down balance sheets and income statements for comparison.
• Prepare reports on borrower financial condition and debt repayment capacity.
• Prepare projections of income, expenses and net worth.
• Value collateral, review appraisals and assess coverage.
• Assign Risk Ratings and monitor borrower credit quality quarterly.
• Assist loan officers in gathering borrower information.
• Prepare reports on problem assets for committees.
• Participate in Credit Administration projects and ensure policy compliance.
• Meet department goals and adhere to SLAs with business lines.

Skills

Credit analysis

Financial statement analysis

Financial modeling

Communication skills

Microsoft Office

Banking regulations

Attention to detail

Time management

Education

Bachelor’s degree in Accounting/Finance/Economics

2+ years credit analysis experience

Tools

Banking software

Job description

First Commonwealth Bank is seeking a Credit Analyst in Pittsburgh to perform credit analyses, analyze financial statements and prepare risk assessments for loan approvals.

The role requires strong analytical skills, proficiency in financial modeling, and knowledge of banking regulations. You will collaborate with loan officers and management to ensure accurate credit decisions and timely reporting.