Credit Analyst II - ONSITE

First Bancorp
Charlotte
Workplace: OnsiteFull timeFunction: Banking, Lending & CreditExperience: 3-5 yearsEducation: bachelorsSkills: ["Attention to detail","Organizational skills","Customer service orientation","Teamwork","Discretion"]

Review borrower financial information and build accurate credit packages for Credit Officer approval. Assist lending officers with pre-qualification analysis, determining when additional documentation is needed, and preparing underwriting spreadsheets, financial statements, and tax-return analysis. Perform cash-flow analysis and industry peer comparisons, consolidate financials across related entities, and prepare written underwriting memos for complex, large-balance commercial lending. Support loan-review computerization, training, compliance coursework, and portfolio maintenance for higher-exposure borrowers.

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First Bancorp
First Bancorp
18 hours ago

Credit Analyst II - ONSITE

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Last checked: 13 hours agoStatus: Live

Job Summary

Review borrower financial information and build accurate credit packages for Credit Officer approval. Assist lending officers with pre-qualification analysis, determining when additional documentation is needed, and preparing underwriting spreadsheets, financial statements, and tax-return analysis. Perform cash-flow analysis and industry peer comparisons, consolidate financials across related entities, and prepare written underwriting memos for complex, large-balance commercial lending. Support loan-review computerization, training, compliance coursework, and portfolio maintenance for higher-exposure borrowers.
Location: Charlotte
Workplace: Onsite
Employment Type: Full time
Job Function: Banking, Lending & Credit
Seniority: Mid level

Key Responsibilities

  • •Review borrower financial information from lending officers to ensure cash flows and credit packages are developed correctly for Credit Officer review and approval consideration.
  • •Assist lending officers with pre-qualification assessment and risk analysis within the bank’s credit culture and current economic/industry trends.
  • •Prepare underwriting spreadsheets and analysis, including financial statements and tax-return information, and perform spreading for Regional Credit Officer review.
  • •Conduct industry peer comparisons and cash-flow analyses; develop comprehensive written underwriting packages for complex borrower structures and large-balance/high-value relationships.
  • •Provide package preparation guidance to junior analysts and lending officers, support training efforts, complete compliance courses, and maintain required loan portfolio documentation for higher-exposure borrowers.

Key Requirements

  • •Bachelor's degree in Business Administration, Accounting, Economics, or related area with 3–5 years professional experience in financial analysis, loan origination, and underwriting.
  • •Direct experience with financial analysis, financial ratio analysis, and industry analysis, including credit package preparation and memo writing for complex borrowing structures.
  • •Working knowledge of loan structures for Commercial Real Estate, Commercial and Industrial, and Asset Based Lending transactions.
  • •Experience analyzing complex borrower organizational structures and consolidated financial statements to support cash-flow and repayment-capacity analysis.
  • •Ability to work in a professional office environment and meet scheduled work hours; valid driver’s license required.
Experience:3-5 yearsCommercial lendingFinancial analysisLoan underwriting
Education:Bachelor's in Business Administration, Accounting, Economics (or related)
Skills:Attention to detailOrganizational skillsCustomer service orientationTeamworkDiscretion
Licenses:Driver's license
Tech Stack:SpreadsheetsFinancial statementsTax returnsMoody's Financial Analyst

Company Brief

First Bancorp
Operates as a community bank providing personal and business banking services such as checking and savings accounts, loans, and digital banking tools for local customers and small businesses.
Industry: Banking
Growth: Established Company
Funding: Bootstrapped
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