Credit Analyst

Job Description:

The Credit Analyst will assist with financial analysis and underwriting for Evolve Bank & Trust.

Main Job Tasks and Responsibilities:

• Complete commercial loan analysis and underwriting as assigned.


• Assist the Chief Credit Officer in field implementation of loan policies, procedures & underwriting guidelines.


• Assist Lenders in financial analysis, identification of the primary risk drivers, structuring of the loan, overall assessment of risk and ability to repay.


• Participate in the loan approval process and provide recommendation.


• Assist Loan Operations in solving loan related structure questions.


• Assist with portfolio review & analysis.


• Assist Accounting Department & Loan Operations in the development of monthly lending review & analysis reports (Board Meeting).


• Complete annual reviews for Retail Banking and Physicians Capital.


• Complete vendor management and financial risk reviews.


• Compile requested portfolio metrics for Chief Credit Officer review.


• Utilize and manage the spreading software platform.


• Complete special projects and requests as assigned.

Education and Experience:

• Minimum of one year of experience in commercial credit analysis, preferably at a financial institution or commercial finance organization.


• Bachelors’ degree, preferably in business, economics, finance, or banking with a strong background in accounting and finance.

Key Competencies:

• High attention to detail.


• Able to prioritize and reprioritize work tasks and deliver work product under tight deadlines


• Good verbal and written communication skills.


• Comfortable with conflicting views of others and able to adequately express their point of view.


• Willingness to take ownership of recommendations and balance loan production with the proper risk/reward relationship.


• Able to work well with peers, lenders and superiors.