Credit Analyst - Full Time (40 Hrs/Wk)

We know what you're thinking.

"What kind of name is IncredibleBank?" Well, we're glad you asked.

With a name like IncredibleBank, we have a lot to live up to.

Our name is a promise we make every day to our customers and to our team members (and hey, that could be you!).

A promise that we strive to be incredible in everything we do.

A promise that will help our customers, fellow team members, and our communities to do the incredible.

At IncredibleBank, we're all about ICE.

What's ICE? ICE stands for Incredible Customer ExperienceTM (that's right - an experience so good and so important we trademarked it).

ICE illustrates the core values that drive everything we do - how we conduct business, how we treat each other, and how we continuously strive to build on our model of customer-focused banking.

Our core values have been in place for more than 50 years and continue to influence every aspect of our operation today.

So - how canyouhelp us live up to our name? About the Role: We are eager to discuss the prospect of you joining our team as our next incredible team member! This position is responsible for developing commercial credit analysis and underwriting skills while supporting the evaluation of consumer and commercial lending relationships.

Under policy guidelines, the position analyzes borrower financial information, cash flow, collateral, industry trends, market conditions, and other risk factors to assess creditworthiness and support sound lending decisions.

The role performs credit analysis and underwriting for basic commercial and consumer credit requests, loan renewals, and annual reviews, while developing a foundational understanding of commercial underwriting principles, practices, and procedures.

Through the application of financial analysis, accounting principles, and credit risk concepts, the incumbent evaluates the degree of risk associated with lending opportunities and assists in developing underwriting recommendations, including risk ratings, covenant structures, and monitoring requirements.

Duties and responsibilities may include: Underwrite basic commercial credit requests and smaller new money lending opportunities within established authority and department guidelines.Perform financial spreading and analysis of borrower financial statements and tax returns to support underwriting and credit decisions.Analyze commercial and consumer loan requests, renewals, modifications, and annual reviews to assess creditworthiness and provide information that supports sound lending decisions.Analyze financial statements, tax returns, cash flow, collateral, guarantor support, and repayment sources to evaluate borrower capacity, identify potential risks, and determine the strength of repayment prospects.Prepare loan presentation packages and supporting credit documentation for review and approval by senior analysts, management, and loan committees.Evaluate collateral support, guarantor strength, loan structure, and borrower performance to as...