Commercial Credit Analyst/Junior Lender

Position Summary: The bank is seeking a motivated Credit Analyst / Junior Lender to support the commercial lending team with credit analysis and underwriting while preparing for a future transition into a production-oriented lending role. This position offers the opportunity to work closely with experienced lenders, develop strong customer relationships, and gain hands-on experience in both credit and business development functions. The role is ideal for a candidate with a strong foundation in commercial credit who is seeking a career path into relationship management and loan origination within a community banking environment. Key Responsibilities: Assist in the analysis of commercial credit requests, including the review of financial statements, tax returns, collateral valuations, and cash flow projections. Prepare clear and concise credit presentations in accordance with bank policy and regulatory guidelines. Collaborate with senior lenders to structure loan proposals that meet client needs and manage credit risk effectively. Participate in customer and prospect meetings alongside senior lenders to gain exposure to business development activities. Monitor existing credits for covenant compliance, payment performance, and overall risk trends. Support portfolio management activities, including annual reviews and loan renewals. Maintain current knowledge of the bank’s credit policy, lending guidelines, and applicable regulatory requirements. Build strong working relationships with customers, prospects, and internal team members. Demonstrate initiative in developing the skills and knowledge necessary for a successful transition into a commercial lending role. Qualifications: Bachelor’s degree in Finance, Accounting, Business, or related field. Minimum of 2 years of commercial credit analysis or underwriting experience in a banking environment. Strong understanding of financial statement analysis and commercial loan structures. Effective written and verbal communication skills, with the ability to present information clearly and professionally. High attention to detail and commitment to producing accurate work under deadlines. Proficiency with Microsoft Office Suite and commercial loan software systems. Self-motivated, team-oriented, and eager to learn the relationship management side of lending. Why This Opportunity: Direct mentorship from experienced community bankers. Exposure to both credit and lending functions for a well-rounded career path. Strong focus on relationship banking and local decision-making. Opportunity for long-term career growth within the bank. Competitive compensation and benefits package. Please contact Kelli Jamison at 773-573-2993 or email at

kelli@theagencyrecruiting.com

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