Experienced Credit Analyst - Banking

AlignHR, LLC

  • Bellaire, OH
  • Permanent
  • Full-time
  • 23 days ago
Position Summary:Belmont Savings Bank (BSB), a trusted community bank committed to exceptional service and strong client relationships, is seeking an Experienced Credit Analyst to join our team. This role plays a vital part in evaluating credit risk and supporting the bank’s commercial and consumer lending efforts. The successful candidate will bring a strong analytical background and a solid understanding of financial statements, lending principles, and regulatory compliance. This is an excellent opportunity for a motivated professional to grow with a supportive and collaborative financial institution.Primary Job Responsibilities:
  • Analyze financial statements, tax returns, and credit reports for new and existing commercial and consumer loans.
  • Prepare detailed credit memos and risk assessments with recommendations for loan approvals, renewals, or modifications.
  • Assess borrower creditworthiness, repayment capacity, collateral value, and overall risk.
  • Work closely with loan officers and relationship managers to support loan origination and portfolio monitoring.
  • Maintain and update financial spreads, loan covenants, and credit files in accordance with bank policy and regulatory guidelines.
  • Monitor borrower performance and identify deteriorating credit conditions or covenant violations.
  • Participate in loan committee meetings and present credit analysis findings.
  • Support regulatory reporting and respond to internal/external audits as needed.
  • Assist in the development and refinement of credit policies and procedures.
Position Requirements:
  • Bachelor’s degree in Finance, Accounting, Business, or a related field.
  • Minimum of 5 years of experience as a credit analyst in a banking or financial institution, preferably in a community banking environment.
  • Strong knowledge of credit principles, loan underwriting, and regulatory requirements.
  • Proficiency in analyzing complex financial statements and cash flow analysis.
  • Excellent written and verbal communication skills with a keen attention to detail.
  • Ability to work independently and collaboratively in a fast-paced environment.
  • Familiarity with loan origination and credit analysis software is preferred.
What We Offer:
  • Competitive compensation and benefits package
  • Supportive, team-oriented culture rooted in community values
  • Opportunities for professional growth and development
  • Meaningful work serving local businesses and individuals.
If you’re a credit professional looking to make a difference in your community while advancing your career, we want to hear from you. Submit your resume and cover by August 31, 2025.Equal Opportunity Employer

AlignHR, LLC