Credit Analyst

This is a fully remote position, open to applicants in United States.

📋 Description

• Evaluate personal and business financial statements for both potential and current loan clients

• Develop detailed loan approval packages and identify any policy exceptions

• Provide recommendations to senior management and credit committees

• Track the performance of the existing loan portfolio

• Support due diligence efforts for audits and examinations

• Manage loan-related databases

• Utilize Power BI to generate loan reporting

• Implement the bank’s mission focused on environmental, social, economic, and racial justice

• Engage in educational opportunities related to sustainability practices

• Work with Compliance on investigations into suspicious or potentially fraudulent activities

• Stay updated on legal frameworks and regulatory requirements

• Complete necessary web-based compliance and IT training

⛳️ Requirements

• Bachelor's degree is required, preferably in Finance

• Previous banking experience in Credit Analysis/Underwriting is essential

• Capability to analyze personal and business financial data

• Skill in creating comprehensive loan approval packages and identifying policy exceptions

• Understanding of financial products and services along with relevant credit and underwriting regulations and laws

• Proficiency in reading, comprehending, and interpreting financial documents and reports

• Strong mathematical aptitude

• Demonstrated proficiency in Microsoft Excel

• Familiarity with Power BI or a willingness to learn

• Ability to comprehend and adhere to bank policies, procedures, and regulations

• Commitment to principles of environmental, social, economic, and racial justice

• Capacity to complete tasks with minimal supervision and manage multiple priorities effectively

• E-Verify work authorization in the U.S. is mandatory

🏝️ Benefits

• Annual bonuses, incentives, and equity may be available in addition to base salary

• Medical, Dental & Vision Insurance; fully employer-paid for employees, with contributions for dependents

• Health Savings Account (HSA)

• Complimentary telemedicine access via Teladoc

• 401(k) plan with 6% employer match and no vesting period

• Employee stock options

• Exclusive banking benefits for employees

• 0% financing available for employee solar loans

• Employee-only mortgage products with special interest rates and terms

• 0% financing for eligible electric vehicles (EVs)

• Referral bonuses

• Vacation entitlement of 2–4 weeks based on officer level, plus additional tenure-based time off

• 64 hours of paid sick leave for all full-time employees

• Company-paid life insurance coverage

• Short- and long-term disability insurance

• Optional life, accident, and critical illness insurance

• Employee Assistance Program (EAP) providing free counseling, legal, and financial services