Are you interested in helping the small business community?

If yes, we would love to hear from you! We are looking for passionate, hardworking, and bright individuals to help us shape the eco-system for small business owners and investors.


Credit Analyst

Job Description

The Credit Analyst will be responsible for full cycle underwriting of proposed loan amounts and terms to small businesses.This individual will also work closely with the Relationship Manager to assess and structure a loan that is attractive for the borrower and minimizes risk.


  • Work with the Relationship Managers in structuring, analyzing and negotiating credit transactions
  • Responsible for full cycle underwriting of assigned small business loans
  • Determine ability of borrower to repay a loan based on analysis of the borrower's cash flow statements, tax returns, and other financial information
  • Perform detailed financial analysis on the small business, including trend and ratio analysis, and interpret the financial information to determine credit quality and cash flow adequacy
  • Perform credit analysis and financial statement analysis on co-borrowers, guarantors and individuals to determine assets coverage for requested loan amounts
  • Coordinate with Relationship Managers re customer calls and site visits
  • Perform other due diligence as needed to determine the creditworthiness of a borrower


  • Bachelor's degree in finance, accounting, or similar
  • Formal credit training preferred
  • 4+ years' experience working in a financial institution with small businesses
  • 2+ years in a commercial credit analysis or commercial underwriting role working with small businesses
  • Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry and competitive analysis and projections
  • Proficient in various spreadsheet and word processing applications (Excel and Word are preferred) including the use of graphs / charts, and Moody's financial analysis software
  • Basic knowledge of credit principles, lending operations, loan research and general credit policies
  • Team player with the ability to take initiative
  • Detail oriented, ability to work well under pressure and multi-task
  • Strong written and verbal communication skills
  • Problem recognition and resolution skills

Career Form

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