Bankfirstfed

Responsibilities

• Prepare the detailed Credit Memorandum within First Federal’s commercial underwriting standards.
• Spread financial data and prepare financial analysis for assigned commercial credit requests.
• Form preliminary questions to drive underwriting and loan eligibility.
• Identify and assess potential risks associated with the credit, including financial, operational, and industry-specific risks.
• Partner with Commercial Loan Officers (CLO) throughout the underwriting process.
• Perform credit risk analysis as requested by a CLO, including annual reviews, monitoring loan covenants, and assisting with asset classification.
• Escalate concerns to CLO, supervisor, or Chief Credit Officer (CCO). Senior Credit Analyst will address urgent issues.
• Make recommendations regarding loan approval, denial, or modification based on the credit analysis.
• Complete other duties as assigned.

Minimum Qualifications

• Driven: Hard‑working, self‑motivated, and strives for excellence. Seeks opportunities to contribute, learn, and grow. Brings positive energy, initiative, and collaboration to help the team and Bank win.
• Dedicated: Committed to the success of colleagues, customers, and the Bank. Has a team‑first attitude—caring more about the team’s success than personal recognition. Follows through on commitments and takes ownership for results.
• Engaged: Cares about their job and the Bank’s success. Energetic, curious, and focused on their work and the Bank’s mission. Collaborates with purpose and builds internal and external relationships.
• A bachelor’s degree in accounting, finance, or equivalent.
• Three (3) years’ experience working as a commercial credit analyst within a banking environment.

Preferred Qualifications

• Five (5) years’ experience working as a commercial credit analyst within a banking environment.
• A master’s degree in accounting, finance, or equivalent.
• Professional Certification: CPA or CFA.

Job Requirements

• Reliable transportation to/from work.
• Sitting or standing for extended periods of time and requires close the ability to work and operate computer applications and equipment.
• Able to perform essential responsibilities of the job with or without reasonable accommodations.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
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