Commercial Credit Analyst

JCW Search is seeking a detail-oriented and analytical Credit Analyst to join our Client's team. Our Client is a well known community bank in Fairfield County.

The ideal candidate will possess strong analytical skills, a solid understanding of credit and financial principles, and a passion for contributing to the community's financial health. As a Credit Analyst, you will play a key role in evaluating creditworthiness, managing risk, and supporting lending decisions. Key Responsibilities:

Credit Analysis: Evaluate and analyze credit data and financial statements to assess the creditworthiness of individuals and businesses. Prepare detailed credit reports and recommendations for loan approvals or denials.

Risk Assessment: Identify and assess potential risks associated with credit applications. Utilize various credit models and tools to ensure accurate risk evaluations.

Loan Underwriting Support: Assist in the underwriting process by gathering and reviewing necessary documentation, conducting financial analysis, and providing insights to support lending decisions. Client Interaction:

Communicate with clients to gather financial information, clarify details, and provide explanations regarding credit decisions or requests. Compliance: Ensure all credit analysis activities comply with bank policies, regulatory requirements, and industry standards. Portfolio Monitoring:

Regularly review and monitor existing loan portfolios to identify and address any potential issues or changes in credit risk. Qualifications: Bachelor's degree in Finance, Accounting, Economics, or a related field. 1 years of experience in credit analysis, banking, or a similar role. Strong analytical and problem-solving skills with attention to detail.

Proficiency in financial analysis, credit assessment, and risk management. Excellent communication and interpersonal skills. Familiarity with banking software and financial modeling tools.

Ability to work independently and as part of a team in a fast-paced environment. Preferred Qualifications: Certification such as Chartered Financial Analyst (CFA) or Credit Risk Certification (CRC) is a plus. Previous experience working in a community banking environment.