[Hiring] Credit Analyst @Climate First Bank

Role Description

As a Credit Analyst, you’ll be responsible for analyzing personal and business financials, creating comprehensive loan approval packages and making recommendations to senior management and credit committees. This role also monitors the existing loan portfolio performance and creates loan reports.

What You’ll Contribute in This Role

• Financial Analysis, Credit Evaluation & Decision Support
  • Analyze personal and business financials for potential and existing loan customers.
  • Create comprehensive loan approval packages and identify any policy exceptions.
  • Present recommendations to senior management and credit committees.
• Portfolio Monitoring, Reporting & Data Management
  • Perform required monitoring of existing loan portfolio performance.
  • Assist in the due diligence process for audits and exams.
  • Maintain various loan related databases.
  • Utilize Power BI to create loan reports.
• Champion Our Mission, Protect What Matters
  • Embody a commitment to environmental, social, economic, and racial justice.
  • Apply curiosity and interest in our core values and pursue education related to sustainability practices.
  • Be willing to pursue and demonstrate an understanding of established Bank policies, procedures, and regulations.
  • Recognize the importance of protecting the organization and our customers.
  • Question suspicious activity and stay in close collaboration with our Compliance department to ensure proper investigation and processing of potentially fraudulent activity.
  • Stay informed on legal context and regulatory requirements and prioritize completing all web-based compliance and IT training.

Qualifications

• Bachelor’s degree required, preferably in Finance.
• Prior banking experience in Credit Analysis/Underwriting.

Requirements

• Entrepreneurial Self-Starter Mentality
  • Take charge of your work product and deliver consistently great and measurable results.
  • Analytical thinker with the ability to complete assignments with little oversight.
  • Excited by a high-pace and high-expectation environment.
• Organization & Efficiency
  • Manage time effectively and stay focused under pressure.
  • Exhibit exceptional attention to detail while maintaining the ability to see the big picture.
  • Continuously seek efficiencies in your process.
• Master Communicator
  • Communicate with confidence, precision, and professionalism.
  • Engage efficiently and tactfully with stakeholders at all levels.
  • Defend recommendations and build strong internal and external relationships.
• Banking & Fintech Acumen
  • Highly educated in financial products and services, applicable regulations and laws related to credit and underwriting.
  • Excellent ability to read, understand and spread financial documents and reports.
• Tech-Forward and Analytical Thinking
  • Learn new tools quickly and leverage technology to optimize work product.
  • Strong mathematical skills and proven Microsoft Excel skills.
  • Familiarity with Power BI is a plus.
• Commitment to Being a Team Player
  • Lift others up, share ideas, and bring positive energy to everything you do.
  • Dependable and communicate clearly.

Benefits

• Compensation: Base salary, annual bonus, incentives, and equity.
• Health Coverage: 100% employer-paid for employees; employer contribution for dependents.
• Medical, Dental & Vision Insurance.
• Health Savings Account (HSA).
• Free Telemedicine access via Teladoc.
• 401(k) with 6% Employer Match — No Vesting Period.
• Employee Stock Options.
• Exclusive Employee Banking Perks.
• 0% Financing for Employee Solar Loans.
• Employee Only Mortgage Product with exclusive interest rates and terms.
• 0% Financing for Eligible Electric Vehicles (EVs).
• Referral Incentives.
• Generous Paid Time Off: 2–4 Weeks of Vacation based on officer level plus additional tenure-based time.
• 64 Hours of Paid Sick Time for all full-time employees.
• Company-Paid Life Insurance.
• Short- & Long-Term Disability Insurance.
• Voluntary Life, Accident & Critical Illness Coverage.
• Employee Assistance Program (EAP) with free counseling, legal, and financial services.