Senior Credit Analyst: Strategic Underwriting & Risk

German American Bank; Evansville (IN); On-site; USD 85,000 - 110,000; Full time

Benefits offered by this job

Health insurance

Paid time off

Education assistance

401(k) match

Job summary

German American Bank seeks a Senior Credit Analyst to evaluate commercial credit opportunities and provide analytical support to lending teams through comprehensive financial analysis, risk assessment, and credit underwriting.

You will mentor Credit Analysts and collaborate with Commercial Lenders, Credit Administration, and leadership to promote sound credit decisions aligned with risk management standards.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or related field.
• Minimum of five to seven years of experience in commercial credit analysis or related role.
• Demonstrated experience analyzing complex commercial credit relationships across industries.
• Strong understanding of financial statement analysis, cash flow modeling, and credit risk assessment.

Responsibilities

• Evaluate commercial loan requests through detailed financial statement analysis, tax returns, cash flow, collateral and repayment capacity.
• Assess borrower financial condition, risks, and guarantor/s credit quality.
• Identify trends and risks affecting borrower performance.
• Prepare underwriting packages, annual reviews, and renewals.
• Ensure compliance with bank policies and regulatory requirements.

Skills

Financial statement analysis

Credit underwriting

Cash flow analysis

Debt service evaluation

Risk assessment

Commercial loan structuring

Critical thinking

Attention to detail

Education

Bachelor's degree in Finance/Accounting/Economics

Tools

Credit analysis software

Spreading tools

Loan origination systems

Job description

German American Bank seeks a Senior Credit Analyst to evaluate commercial credit opportunities and provide analytical support to lending teams through comprehensive financial analysis, risk assessment, and credit underwriting.

You will mentor Credit Analysts and collaborate with Commercial Lenders, Credit Administration, and leadership to promote sound credit decisions aligned with risk management standards.