Credit Analyst

Description

TrustBank is seeking a highly motivated Credit Analyst to join our growing team. The ideal candidate will possess a strong understanding of credit analysis principles, a high level of attention to detail, and a solid track record of providing sound recommendations.

Job Description

Job Title: Credit Analyst

Department: Credit

Reports To: Credit Department Officer

FLSA Status: Exempt

Type of Position: Full-Time

Job Summary

The Credit Analyst is responsible for assessing the creditworthiness of applicants across a variety of loan types, including commercial, real estate, agricultural, and consumer. This role leverages financial analysis, banking technology, and data-driven insights to evaluate risk and support sound lending decisions. Responsibilities include analyzing financial statements, tax returns, cash flow, and collateral to identify repayment capacity, financial trends, and emerging risks. The Credit Analyst prepares detailed credit presentations that clearly communicate strengths, weaknesses, risk factors, and recommended risk ratings while ensuring compliance with internal policies and regulatory requirements. Working collaboratively with loan officers and other bank partners, the Credit Analyst utilizes approved digital tools and authorized AI-assisted resources to enhance research, reporting, and workflow efficiency while maintaining independent judgment, critical thinking, and prudent credit decision-making.

Primary Duties and Responsibilities

1. Analyze the overall credit quality and risk of applicants by reviewing financial statements, tax returns, credit reports, collateral values, and other relevant information including independent online research.

2. Prepare accurate financial spreads, ratio analyses, and cash flow models using spreadsheet and word processing tools.

3. Develop comprehensive credit presentations that include repayment capacity of the borrowers and guarantors, collateral descriptions, loan-to value calculations, and a clear summary of strengths, weaknesses, and risks.

4. Collaborate and communicate clearly with loan officers to assess client needs, loan structure, and pricing. Communicate directly with clients, as needed.

5. Ensure credit analysis and presentations reflect adherence to internal credit policies, loan administration procedures, and regulatory requirements.

6. Document policy or documentation exceptions, as well as prior-to-close conditions.

7. Assign and recommend credit risk ratings in accordance with Loan Policy guidelines.

8. Participate as a non-voting member of the Loan Committee meetings, exercising sound judgement and maintaining constructive communication.

9. Determine whether requests for information should be furnished or refused based on confidentiality, requiring strong judgment and quick decision-making.

10. Recognize irregular or suspicious transactions and take appropriate steps to prevent loss. Help ensure compliance with BSA/AML/OFAC regulations.

11. Assist with annual loan reviews and portfolio monitoring as requested, including providing support to the Auditor during internal and external audits.

12. Assist with other credit department tasks such as review of construction loan draw requests, appraisal reports, and environmental reports as needed.

13. Additional responsibilities as needed to support departmental and organizational goals.

Traits/Characteristics of a Successful Credit Analyst

• Strong attention to detail and accuracy

• Analytical proficiency in quantitative and qualitative analysis

• Ability to think critically, exercise sound judgment, and provide independent recommendations

• Highly adaptable to portfolio volume demands

• Thorough risk assessment expertise

• Highly self-motivated

• Inquisitive and curious with a desire to understand why

• High level of integrity and professionalism with a strong ability to successfully navigate difficult or contentious conversations

Working Conditions and Essential Functions

The position is Monday through Friday, typically from 8 AM – 5 PM and is a minimum of forty hours a week, but longer hours may be needed to meet the demands of the job. The Bank may consider a remote or hybrid work schedule based on the qualifications of the candidate and the needs of the Bank and the credit team. There is a well-lit office environment, and the noise level is usually moderate. The duties of the job may require the employee to stand, walk, use hands, and feel objects, tools, or controls, reach with hands, arms, and talk, or hear. Ability to lift 25 pounds. Vision abilities include close vision, distance vision, peripheral vision, depth perception and the ability to focus. Ability to travel via air, rail, automobile and or/bus (if position requires travel).

Compensation and Benefits

Total compensation for this position is $65,000 - $90,000. TrustBank provides a generous benefits offering, with details on our bank’s website: https://trustbank.net/company/career-opportunities

TrustBank Core Values

Embrace and promote the TrustBank Culture and Core Values in all aspects of your duties. Strictly manage and protect sensitive information to which you are entrusted.

Disclosures

TrustBank recognizes that people are our bank’s strength, and we place a high value on diversity and inclusion. We do not discriminate based on any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs. The best talent will acquire the position. Equal Opportunity Employer/Disability/Veterans. This job description may be subject to change and is not intended to be all-inclusive. The employee may perform other related duties to meet the ongoing needs of the organization.

Updated: July 09, 2026

Education and/or Experience

Bachelor's degree (B. S.) from a four-year college or university with a focus on finance, accounting, or economics and a minimum of 2-4 years of related experience preferably in a commercial banking environment. Additional coursework, certifications, or experience in financial analysis, business intelligence, data analytics, credit risk management, or banking technology is preferred.

Required Skills and Abilities

1. Advanced analytical and risk assessment skills, including a clear understanding of fractions and percentages.

2. Ability to self-review and identify errors in written presentations, analysis, and reporting.

3. Strong knowledge of financial accounting principles, economics, and credit analyst techniques with excellent problem-solving skills.

4. Excellent report writing, grammar, and verbal communication skills.

5. Ability to produce clear, professional credit presentations.

6. Organizational and time management skills, including the ability to manage multiple priorities and deadlines.

7. Broad understanding of loan policy, loan operations and overall bank procedures.

8. Advanced proficiency in Microsoft Excel and Microsoft 365 applications, including the ability to utilize formulas, pivot tables, financial models, data analysis tools, reporting features, and emerging AI-enabled productivity solutions.

9. Understanding of the bank’s core processing system to meaningfully assemble data and generate reports.