Credit Analyst

About the Role: POSITION SUMMARY: Assists in loan origination and servicing by providing support to commercial lending staff for processing of new loans and managing loan relationships primarily using the bank’s LOS (nCino) and completing other required spreadsheets and forms. Analyzes credit data to estimate degree of risk involved in extending credit or lending money to firms or individuals. Provides lending support to Loan Officers and may also assist in the loan support process as needed to ensure timeliness of loan document preparation. This position requires good customer service skills, a positive attitude, a high level of accuracy, and the ability to work in a team atmosphere. This individual must be a self-motivator and focused, have a technical capacity, be thorough, communicate proficiently, and hold confidentiality in the highest regard. This is an in-person position in order to complete the assigned tasks and provide accurate and efficient customer service. This is not a remote or hybrid position. Examines and evaluates commercial loan applications by performing the following duties. Essential Duties and Responsibilities include the following:* Enter nCino Relationships for Borrower(s), Guarantor(s), and entity information with accuracy, consistency, and completeness * Upload and enter financial statements, tax returns, and interim financials into nCino * Input spreads of financial statements, tax returns, and other supporting information, on new and renewing loans using the nCino LOS platform + Perform comprehensive credit analysis of consumer and/or commercial borrowers, including financial statements, tax returns, cash‑flow analysis, global debt service coverage, and collateral evaluation + Analyze borrower creditworthiness, industry risk, repayment capacity, and guarantor strength in accordance with credit policy and industry standards + Identify potential questions & risks to Account Officer’s to assist with loan qualification * Verif...