Senior Credit Analyst: Commercial & SBA Underwriting

Wisconsin Bankers Association Inc; Wisconsin; On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Medical, dental, vision

401(k) with company match

Paid holidays

PTO

Job summary

Bank of Wisconsin Dells is seeking an experienced Credit Analyst who thrives on analyzing financial statements, tax returns, cash flow, collateral, and repayment capacity to tell the credit story behind the numbers. The role partners with lenders and credit leadership to deliver objective underwriting and well-supported risk assessments, supporting sound lending decisions and portfolio monitoring.

Ideal candidates have several years in commercial credit analysis, familiarity with loan policy,

Qualifications

• Bachelor’s degree in accounting, business, economics, or a related field (or equivalent experience).
• Several years of commercial credit analysis, underwriting, loan review, or related financial analysis experience.
• Familiarity with loan policy, regulatory expectations, credit risk ratings, covenants, and portfolio monitoring.
• Experience with financial spreading software, core banking systems, and credit presentation platforms.
• Ability to interpret complex financial information and translate into clear credit conclusions.
• Comfort asking detailed questions and documenting the rationale behind a credit recommendation.
• Strong written communication and ability to present analysis concisely.

Responsibilities

• Analyze borrower and guarantor financial statements, tax returns, rent rolls, collateral documentation, and related financial data.
• Prepare spreads, cash flow analysis, repayment capacity, collateral analysis, and risk assessments for credit requests.
• Develop clear credit presentations summarizing performance, risks, and recommended structure.
• Complete renewals, annual reviews, loan modifications, covenant testing, and monitoring of existing credit relationships.
• Identify trends, exceptions, policy considerations, and early warning indicators.
• Collaborate with lenders while maintaining independent judgment and strong credit discipline.
• Support underwriting standards, documentation quality, and portfolio management.

Skills

Credit analysis

Underwriting

Financial statement analysis

Loan review

Written communication

Education

Bachelor's degree in accounting, business, economics, or related field

Tools

Financial spreading software

Core banking systems

Credit presentation platforms

Job description

Bank of Wisconsin Dells is seeking an experienced Credit Analyst who thrives on analyzing financial statements, tax returns, cash flow, collateral, and repayment capacity to tell the credit story behind the numbers. The role partners with lenders and credit leadership to deliver objective underwriting and well-supported risk assessments, supporting sound lending decisions and portfolio monitoring.

Ideal candidates have several years in commercial credit analysis, familiarity with loan policy,