Credit Analyst

Role overview

Credit analysis and lending support

• Analyze financial statements, tax returns, cash flow, and collateral to assess borrower risk and repayment capacity.
• Spread financials and build cash flow, debt service coverage, and ratio analyses.
• Prepare credit memos with risk ratings and recommendations for loan approval, renewal, or modification.
• Review credit reports, industry trends, and market conditions affecting borrowers.

Portfolio management and compliance

• Assist with annual reviews, covenant compliance monitoring, and ongoing portfolio management.
• Identify early warning signs of credit deterioration and escalate concerns.
• Collaborate with relationship managers and loan officers on deal structuring.
• Follow internal credit policy and regulatory requirements; support loan committee preparation and occasionally present findings.

Required skills

• Advanced Excel skills.
• Excellent written communication to turn complex analysis into clear recommendations.
• High attention to detail and ability to manage multiple deadlines.

Preferred qualifications

• A bachelor's degree in Finance, Accounting, Economics, or a related field is preferred.
• 0–2 years of credit analysis, commercial lending, underwriting, or related financial experience is preferred.
• Strong understanding of financial statements and accounting principles is preferred.

Pay

• Annual pay range is $40,000–$60,000.

Work location

• Work is in person in Coshocton, Ohio; ability to commute or relocate before starting is required.

Benefits

• Benefits include 401(k) with a 4% match, dental, health, health savings account, life, paid time off, and vision insurance.