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 independently evaluating and underwriting moderately complex commercial lending relationships.

The position applies advanced knowledge of commercial credit, financial analysis, and risk management principles to assess borrower creditworthiness and support sound lending decisions.

Working closely with lenders, relationship managers, and credit leadership, the role exercises a high degree of independent judgment in evaluating credit risk and structuring lending solutions.

In addition, the position serves as a resource to less experienced analysts and provides support on more complex credit relationships and portfolio management activities.

Duties and responsibilities may include: Independently analyze and underwrite moderately complex commercial loan requests, renewals, modifications, and annual reviews to evaluate creditworthiness, identify risk exposures, and support sound lending decisions.Analyze financial statements, global cash flow, repayment capacity, collateral support, guarantor strength, ownership structures, and sources of repayment to assess risk and determine the overall strength of a credit relationship.Prepare comprehensive credit memoranda that evaluate borrower character, capacity, capital, collateral, and operating conditions while clearly communicating financial performance, key risks, mitigating factors, and underwriting recommendations to facilitate informed credit approval decisions.Develop recommendations regarding loan structure, risk ratings, covenant requirements, and monitoring practices to support portfolio quality, risk mitigation, and prudent credit administration.Evaluate industry, market, economic, and regulatory factors that may affect borrower performance and repayment capacity to identify emerging risks and opportunities within lending relationships.Review supporting documentation, including appraisals, title work,...