Credit Analyst

Credit Analyst

Job Title: Credit Analyst

FLSA Status: Exempt



Reviews loan details, financials and loan particulars completed by loan officers and prepares completed package to the board of directors for approval.

Essential Duties and Responsibilities include the following. Other duties may be assigned.

  • Gathers and analyzes loan applicants’ financial data to evaluate risk.
  • Assesses creditworthiness of individuals, companies, and institutions.
  • Collaborates with other financial experts to provide a credit recommendation.
  • Makes recommendations about whether to approve, decline, increase, adjust, or extend different loan requests.
  • Undertakes risk analysis using regional, sector-specific, environmental, and other financial data.
  • Prepares and presents credit reports.
  • Gauges market trends.
  • Monitors and adheres to collateral compliance.
  • Ensures that all loans are made in adherence with federal, state, and local financial regulations.
  • Analyzes data to verify the merits of a credit package.
  • Helps to update and improve credit rating criteria.
  • Authors documents on credit risk and related financial matters.
  • Communicates credit decisions and policies to fellow employees and credit applicants.
  • Oversees or undertakes document preparation.


Supervisory Responsibilities

This job has no supervisory responsibilities.



To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.


Education and/or Experience

  • Bachelor’s degree in business, accounting, economics, or finance, master’s degree a plus
  • Experience using spreadsheet software.
  • Basic understanding of accounting, statistics, and economics
  • Previous experience as a credit analyst or loan officer preferred.

Interested in Joining Our Team?