Senior Credit Analyst

First-Federal-Savings-Bank-of-Twin-Fall; Twin Falls (ID); On-site; USD 70,000 - 95,000; Full time

Benefits offered by this job

Paid vacation

Health insurance

Dental insurance

Vision insurance

401(k) employer match

Educational & student loan repayment

Life insurance

Long-term disability

Loan incentives

Service recognition

Volunteer hours

Pay-It-Forward program

Job summary

First Federal Bank in Idaho seeks a Sr. Credit Analyst to prepare detailed credit memoranda, analyze financial data for commercial requests, and partner with Commercial Loan Officers to ensure robust underwriting.

The role focuses on identifying risks and making informed recommendations, with opportunities for professional growth. The position requires a bachelor’s degree in accounting or finance and at least three years of commercial credit experience in banking, with preferred advanced degrees

Qualifications

• Bachelor’s degree in accounting, finance, or equivalent, required.
• Three (3) years’ experience as a commercial credit analyst in banking, required.

Responsibilities

• Prepare detailed credit memorandums per underwriting standards.
• Spread financial data and analyze for commercial credit requests.
• Ask preliminary questions to drive underwriting and loan eligibility.
• Identify and assess credit risks (financial, operational, industry-specific).
• Partner with Commercial Loan Officers throughout underwriting.
• Perform credit risk analysis, including annual reviews and covenant monitoring.
• Make loan approval/denial/modification recommendations based on analysis.
• Complete other duties as assigned.

Skills

Credit analysis

Financial analysis

Underwriting

Risk assessment

Communication with CLO

Credit risk monitoring

Education

Bachelor's in accounting or finance

Master's in accounting/finance (preferred)

Job description

Why work for First Federal Bank?

Our company culture is driven by our desire to serve our members and communities, something we have done for over 100 years. Along with doing meaningful work, enjoy perks and benefits that come along with being part of Idaho’s only mutual bank – no stockholders or majority owners, just our account members!

Eligible First Federal Bank employees receive paid vacation, sick leave, and holidays; health insurance, dental insurance, and vision insurance; 401(K) retirement with employer match; educational and student loan repayment assistance; life insurance; long‑term disability insurance; loan incentives; and service recognition.

Employees also receive paid volunteer hours and can participate in our Pay‑It‑Forward program to give back to the communities we serve.

In addition, the First Federal Foundation has provided over $1.4 million to local non‑profits since 2003.

For a meaningful job and to be part of a community‑focused team, as well as much more,

The Sr. Credit Analyst will:

• Prepare the detailed Credit Memorandum within First Federal’s commercial underwriting standards.
• Spread financial data and prepare financial analysis for assigned commercial credit requests.
• Form preliminary questions to drive underwriting and loan eligibility.
• Identify and assess potential risks associated with the credit, including financial, operational, and industry-specific risks.
• Partner with Commercial Loan Officers (CLO) throughout the underwriting process.
• Perform credit risk analysis as requested by a CLO, including annual reviews, monitoring loan covenants, and assisting with asset classification. The Senior Credit Analyst will escal concerns to CLO, supervisor, or Chief Credit Officer (CCO).
• Make recommendations regarding loan approval, denial, or modification based on the credit analysis.
• Complete other duties as assigned.

Minimum Qualifications

• Driven: Hard-working, self-motivated, and strives for excellence.

Seeks opportunities to contribute, learn, and grow. Brings positive energy, initiative, and collaboration to help the team and Bank win.

• Dedicated: Committed to the success of colleagues, customers, and the Bank.

Has a team-first attitude—caring more about the team’s success than personal recognition. Follows through on commitments and takes ownership for results.

• Engaged: Cares about their job and the Bank’s success.

Energetic, curious, and focused on their work and the Bank’s mission. Collaborates with purpose and builds internal and external relationships.

• A bachelor’s degree in accounting, finance, or equivalent, and
• Three (3) years’ experience working as a commercial credit analyst within a banking environment.

Preferred Qualifications

• Five (5) years’ experience working as a commercial credit analyst within a banking environment, and/or
• A master’s degree in accounting, finance or equivalent.
• Professional Certification: CPA or CFA.

Job Requirements

• Reliable transportation to/from work.
• Sitting or standing for extended periods of time and requires close the ability to work and operate computer applications and equipment.
• Able to perform essential responsibilities of the job with or without reasonable accommodations.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.