Credit Analyst II

The Credit Analyst II supports informed commercial lending decisions by analyzing financial and credit information for new and existing customers at a well‑established, reputable bank. This role prepares financial spreads, ratios, and credit memos; assists with loan structuring, renewals, and documentation; and monitors industry and economic trends. The position offers excellent benefits and the opportunity to work collaboratively with loan officers and external partners in a stable, relationship‑focused banking environment. Apply now!

Work Model:

• On-Site

What You Will Do:

• Prepare and distribute financial spreads, ratio analysis, and credit memorandums using CASH and other analytical tools
• Evaluate financial statements, credit information, and industry data to determine creditworthiness and loan performance
• Collaborate with customers, accountants, and legal counsel to gather, confirm, and clarify financial documentation
• Assist with the preparation, tracking, and maintenance of loan documentation, collateral perfection, and reporting requirements
• Contribute to loan structure recommendations and support ongoing portfolio management through annual reviews, renewals, and amendments
• Track economic, market, and industry conditions to identify potential impacts on credit risk
• Conduct site visits, address customer concerns, and recognize opportunities for additional relationship growth
• Provide research, comparative data, and analytical support to loan officers and lending teams

What You Will Need to Be Successful:

• Bachelor’s degree in accounting, finance, or economics (or equivalent experience)
• 2+ years of relevant credit or financial analysis experience

Benefits Overview:

• Health, dental, and vision insurance
• 401k

Interested and qualified candidates can contact Jayde Guinan at (515) 225-7000 or email Jayde at jguinan@thepalmergroup.com.