Senior Credit Analyst – Commercial Lending

Gbcijobs; Layton (UT); On-site; USD 60,000 - 90,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Retirement plan

Paid time off

Job summary

First Community Bank of Utah seeks a Credit Analyst to review commercial loan applications and perform in-depth financial and credit analysis. You will evaluate balance sheets, tax returns, income statements, and cash flow to determine repayment viability within policy guidelines.

The role requires strong knowledge of credit policies, collateral valuation, and the ability to assemble comprehensive Credit Presentations for decisioning. Experience with large or complex credits is a plus.

Qualifications

• 5 years of related credit analysis experience (including preparatory experience).
• Bachelor's degree from an accredited institution in business, accounting, finance, economics, or related certification.

Responsibilities

• Perform thorough analysis of credit, financial, and cash flow information to determine repayment viability for commercial loan requests.
• Determine borrower and guarantor creditworthiness using various sources, including credit reports and public records.
• Assess repayment ability through in-depth financial statement analysis, tax returns, balance sheets, and cash flow statements, including stress testing.

Skills

Credit analysis

Financial statement analysis

Cash flow analysis

Risk assessment

Attention to detail

Education

Bachelor's degree in business/finance

Job description

First Community Bank of Utah seeks a Credit Analyst to review commercial loan applications and perform in-depth financial and credit analysis. You will evaluate balance sheets, tax returns, income statements, and cash flow to determine repayment viability within policy guidelines.

The role requires strong knowledge of credit policies, collateral valuation, and the ability to assemble comprehensive Credit Presentations for decisioning. Experience with large or complex credits is a plus.