Senior Credit Analyst — Strategic Lending & Risk Expert

German American Bank; Whitehall (OH); On-site; USD 85,000 - 120,000; Full time

Benefits offered by this job

Medical, dental, vision

17 days PTO + 11 holidays

Education Assistance Program

Parental bonding leave

Wellness benefits

401(k) match

Stock purchase plan

Discounts

Free checking

Job summary

German American Bank seeks a Senior Credit Analyst to evaluate commercial credit opportunities and support lending teams with thorough financial analysis, risk assessment, and underwriting. The role includes mentoring Credit Analysts and ensuring quality in underwriting processes.

Responsibilities span analyzing loan requests, assessing borrower risk, and delivering sound credit recommendations aligned with risk management standards.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or a related field required.
• 5–7 years of experience in commercial credit analysis or related financial services role.
• Demonstrated experience analyzing complex commercial credit relationships across industries.
• Strong understanding of financial statement analysis, cash flow modeling, credit risk assessment, and loan structures.

Responsibilities

• Analyze commercial loan requests through detailed evaluation of borrower financials, tax returns, cash flow, collateral and repayment capacity.
• Assess borrower and guarantor financial condition, operating performance, and risk profile.
• Provide timely, risk-based recommendations and credit presentations for approvals.
• Ensure compliance with bank policies, regulatory requirements, and underwriting standards.
• Support lenders with financial analysis and maintain relationships with lending teams.
• Monitor credit relationships and ensure accurate risk ratings and portfolio quality.

Skills

Financial statement analysis

Credit underwriting

Cash flow analysis

Risk assessment

Credit structuring

Attention to detail

Communication skills

Education

Bachelor's degree in Finance/Accounting/Economics

Tools

Microsoft Excel

Credit analysis software

Financial spreading tools

Loan origination systems

Job description

German American Bank seeks a Senior Credit Analyst to evaluate commercial credit opportunities and support lending teams with thorough financial analysis, risk assessment, and underwriting. The role includes mentoring Credit Analysts and ensuring quality in underwriting processes.

Responsibilities span analyzing loan requests, assessing borrower risk, and delivering sound credit recommendations aligned with risk management standards.