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credit analyst

Central Bank of Kansas City

<div><div><b>Credit Analyst</b></div><div></div><p><b><br>
SUMMARY: </b>Responsible for evaluating the financial health of commercial, real estate, and small business loan applicants. This role supports the bank&rsquo;s lending officers by performing in-depth financial analysis, assessing creditworthiness, preparing credit memos, and monitoring the ongoing performance of loan portfolios. The Credit Analyst plays a key role in ensuring the Bank&rsquo;s credit decisions are sound, prudent, and aligned with regulatory and internal risk management standards.</p><p>
 <b>ESSENTIAL DUTIES AND RESPONSIBILITIES:</b></p><ul><li>
Analyze and interpret financial statements, tax returns, and cash flow statements of individuals and businesses.</li><li>
Prepare comprehensive written credit memoranda with risk ratings and recommendations for loan committee review.</li><li>
Conduct collateral analysis and evaluate loan structures for appropriate risk mitigation.</li><li>
Preform annual reviews on existing borrower relationships, including covenant compliance and financial performance tracking.</li><li>
Work closely with commercial lenders and senior credit officers to structure new and renewed credit requests.</li><li>
Stay current with industry trends, local market conditions, and regulatory guidance.</li><li>
Assist in the maintenance of the bank&rsquo;s loan portfolio by identifying early warning signs of credit deterioration.</li><li>
Support internal audits, loan reviews, and regulatory examinations by providing required financial documentation and analysis.</li></ul><p><b>
 </b><b>SUPERVISORY REQUIREMENTS:</b></p><ul><li>
This position does not require supervisory responsibility.</li></ul><p>
 <b>POSITION REQUIREMENTS:</b></p><ul><li>
Bachelor&rsquo;s degree in Finance, Accounting, Economics, or related field.</li><li>
1&ndash;3 years of experience in banking, commercial lending, or credit analysis preferred (internship or relevant experience considered).</li><li>
Strong knowledge of financial statement analysis, cash flow modeling, and risk assessment.</li><li>
Excellent written and verbal communication skills with ability to prepare clear, concise reports.</li><li>
Proficiency with Microsoft Excel, Word, and financial analysis software.</li><li>
Detail-oriented, analytical thinker with strong problem-solving skills.</li><li>
Ability to manage multiple tasks, meet deadlines, and work effectively as part of a team</li></ul><p><b>
 </b><b>COMPUTER SKILLS/EQUIPMENT USED:</b></p><ul><li>
General office equipment (computer, printer, fax, copy machine), scanner, adding machine, calculator.</li></ul><p>
 <b>Equal Opportunity Statement</b></p><p>
Central Bank of Kansas City is an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran, or disability status. If you need an accommodation to apply for a position at Central Bank of Kansas City, please contact Human Resources at egenis@centralbankkc.com</p></div><p></p>

Credit Analyst

Mountain Pacific Bank

<div><p>Mountain Pacific Bank is looking for a full-time <b>Credit Analyst</b> to join our team.</p><p>
Recognized by the Independent Community Bankers Association (ICBA) as one of the <b>Best Community Banks to Work For</b>, Mountain Pacific Bank is committed to fostering a positive work environment, providing opportunities for professional development, and promoting a culture of inclusion, empowerment, and community engagement.</p><p>
Started by 17 local business and outstanding community leaders, Mountain Pacific Bank is a Community Bank dedicated to serving Whatcom, Skagit, Snohomish, and King Counties. An equally important part of our plan is to reinvest in the community with resources, time and talents.</p><p><b>
Your Role</b></p><p>
Completes the business and consumer loan underwriting process within the bank's scope of operations, market, and policy, conducts an accurate analysis on relevant financial and non-financial data to develop a credit recommendation to credit administration, and contributes to the bank's profitability level through early detection of risk rating migration and through volume generation and efficiency management on all credit requests.</p><p>
This position can be based out of any of our branch locations in Everett, Ballard, Burlington, or Bellingham.</p><p><b><br>
Essential Responsibilities</b></p><p>
Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.</p><ul><li>
Analyzes applications and supporting credit information to determine whether loans are an acceptable risk within accepted lending practices and current Bank Policies.</li><li>
Spreads, analyzes, and discusses the borrower&rsquo;s financial statements and tax return along with any other pertinent information within the credit presentation.</li><li>
Knows and understands the bank&rsquo;s credit policies and procedures and how to structure credit requests to minimize loss to the bank.</li><li>
Performs credit investigations on borrowers and guarantors in support of due diligence such as credit reports and deposit verifications.</li><li>
Knows and understands the bank&rsquo;s risk rating policy and applies to all new and existing credit facilities.</li><li>
Recommends migration of risk rating to credit administration.</li><li>
Interprets appraisal and evaluation reports.</li><li>
Maintains knowledge of the federal regulations in place and remains in compliance with the law to protect financial institutions and borrowers.</li><li>
Interprets environmental site reports and maintains knowledge of the federal regulations for proper evaluation and compliance of real estate loans.</li><li>
Negotiates change to an approved request and presents to approving authority.</li><li>
Knows and understands how to apply federal regulations to a consumer or commercial credit request or extension such as regulations B and Z, HMDA, and fair lending.</li><li>
Executes timely completion of the delegated tasks including credit authorizations, extensions, spreading financial statements, covenant compliance, and updating WIP along with any other periodic duty that may be assigned.</li><li>
Reports updates to the work-in-process report in a timely manner.</li><li>
Maintains professional and respectful relationships in any dealings with customers and helps to resolve any complaints and issues.</li><li>
Maintains a good working relationship with fellow members of the Credit Analyst Team and cultivates and develops internal relationships with sales counterparts to help grow volume.</li></ul><p><b><br>
Other Job Responsibilities</b></p><ul><li>
Modifies internal form to update or streamline processes.</li><li>
Tracks forms as needed for reporting.</li><li>
Responsible for periodic site visits to inspect property.</li></ul><p><b>
What You'll Bring</b></p><ul><li>
Exercises good judgment on all credit recommendations.</li><li>
Time management and organizational skills</li><li>
Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization.</li><li>
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.</li><li>
Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.</li></ul><p><b>
Required Education and Experience</b></p><ul><li>
1 to 3 years of bank credit analyst experience.</li><li>
Proficient in Microsoft Word, Microsoft Excel, and Microsoft Outlook.</li><li>
BA degree in Finance, Accounting, or related field preferred.</li></ul><p><b>
Physical Demands</b></p><p>
While performing the duties of this job, the employee is constantly required to remain in a stationary position and operate a computer and other office productivity machinery, such as a calculator, copy machine, and computer printer. The employee needs to frequently communicate with internal and external contacts and move about inside the office to access file cabinets, office machinery, etc. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.</p><p><b>
Work Environment</b></p><ul><li>
Normal business office environment.</li><li>
Ability to work in artificial light for extended periods of time.</li><li>
Noise level is usually moderate.</li></ul><p><b>
Travel Required</b></p><ul><li>
Occasional (5%-10%) local, non-overnight travel.</li></ul><p><b>
Other Duties</b></p><p>
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.</p><p><i>
Mountain Pacific Bank is committed to equal employment opportunity. We will not discriminate against employees or applicants for employment on any legally recognized basis [&ldquo;protected class&rdquo;] including, but not limited to: veteran status, uniform service member status, race, color, age, religion, sex, national origin, physical or mental disability or any other protected class under federal, state or local law.</i></p><p><i>
This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.</i></p><p></p><p><br>
Job Type: Full-time in person</p><p>
Pay: $70,000 to $120,000</p><p><b>
Benefits:</b></p><ul><li>
Bonus Opportunity (based on company and individual performance)</li><li>
401(k) with matching contribution</li><li>
Comprehensive medical, dental, and vision insurance with 100% of employee base premiums covered.</li><li>
Healthcare and Dependent Care Flexible Spending Account</li><li>
Minimum of 10 paid vacation days per year*, with minimum of 15 paid vacation days after 1 year of employment.</li><li>
2 additional PTO days annually**</li><li>
11 paid holidays</li><li>
8 hours of paid sick time per month*</li><li>
Paid Life, AD&amp;D, and Long-Term Disability insurance</li><li>
Employee assistance program</li><li>
Referral program</li><li>
Tuition reimbursement</li><li>
Mountain Pacific Bank account and loan perks</li><li>pro-rated from start date and/or hours worked</li></ul>
**granted every January 1st</div>

Koch

<div><b>Your Job</b>
<p>Koch Minerals &amp; Trading (KMT) and Koch Ag &amp; Energy Solutions (KAES) are seeking a highly motivated Credit Analyst to join our integrated team. We seek candidates with strong analytical skills and an understanding of credit risk, as well as a passion for applying technology solutions to enhance our credit capabilities. The Credit Analyst will play a key role in supporting our fast-paced global commodity trading &amp; fertilizer production businesses, working closely with global risk and commercial team members, as well as counterparties' finance professionals. The successful candidate will apply strong critical thinking, attention to detail, written and verbal communication, and a collaborative approach to understand, communicate and optimize credit risks.<br>
</p><p><br>
<b>Our Team</b>
</p><p>Our Credit team is an experienced group of risk professionals, with team members in the US, Europe and Asia. This team partners with trading and commercial teams globally to support their business visions and optimize credit risks in their portfolios. The integration of KMT and KAES creates a unique opportunity for our team to support a diverse group of companies from production to trading.<br>
</p><p><br>
<b>What You Will Do</b><br>
<br>
</p><ul><li>Develop strong understanding of new and existing counterparties' credit risk profiles
</li><li>Identify and communicate credit risk drivers to support credit exposure decisions
</li><li>Partner with risk and commercial teams to understand and optimize reward/risk tradeoffs in counterparty relationships to drive decisions aligned with Koch's risk philosophy
</li><li>Recommend and approve credit limits supported by the risk point of view
</li><li>Develop and implement improvements to credit processes and systems
</li><li>Leverage data, automation, and emerging technologies to streamline credit processes, improve risk assessments, and drive value-added insights
</li><li>Build and maintain relationships with counterparties to support credit risk analysis and credit negotiations
</li><li>Manage counterparty exposures within approved limits, including by obtaining letters of credit and other collateral
</li><li>Perform Anti-Money Laundering (AML) / Know Your Customer (KYC) vetting on counterparties and reply to incoming AML/KYC requests
</li></ul><p><b>Who You Are (Basic Qualifications)</b><br>
<br>
</p><ul><li>Experience analyzing corporate financial statements (professional or academic setting)
</li><li>Bachelor's degree in Finance, Accounting, Economics, or other business-related field</li></ul><br>
<b>What Will Put You Ahead</b>
<br>
<ul><li>Credit analysis experience at a commodity trading firm, commodity marketer or producer, or bank
</li><li>Experience applying technology solutions for data visualization and automation (e.g. PowerBI, PowerQuery, Alteryx) and/or generative AI
</li></ul><p>This role is not eligible for employment visa sponsorship.</p><p>
At Koch companies, we are entrepreneurs. This means we openly challenge the status quo, find new ways to create value and get rewarded for our individual contributions. Any compensation range provided for a role is an estimate determined by available market data. The actual amount may be higher or lower than the range provided considering each candidate's knowledge, skills, abilities, and geographic location. If you have questions, please speak to your recruiter about the flexibility and detail of our compensation philosophy.
</p><p>#LI-TM2
</p><p><b>Hiring Philosophy</b>
</p><p>All Koch companies value diversity of thought, perspectives, aptitudes, experiences, and backgrounds. We are Military Ready and Second Chance employers. Learn more about our hiring philosophy here .</p><p><b>
Who We Are</b>
</p><p>As a Koch company, Koch Ag &amp; Energy Solutions (KAES) is a global provider of value-added solutions for the agriculture, turf and ornamental, energy and chemical markets. From agriculture to energy, KAES makes things grow better with plant nutrient and biological technologies. Our team of innovators unleash their potential while developing the technologies that feed and power the world.
</p><p>At Koch, employees are empowered to do what they do best to make life better. Learn how our business philosophy helps employees unleash their potential while creating value for themselves and the company.</p><p><b>
Our Benefits</b>
</p><p>Our goal is for each employee, and their families, to live fulfilling and healthy lives. We provide essential resources and support to build and maintain physical, financial, and emotional strength - focusing on overall wellbeing so you can focus on what matters most. Our benefits plan includes - medical, dental, vision, flexible spending and health savings accounts, life insurance, ADD, disability, retirement, paid vacation/time off, educational assistance, and may also include infertility assistance, paid parental leave and adoption assistance. Specific eligibility criteria is set by the applicable Summary Plan Description, policy or guideline and benefits may vary by geographic region. If you have questions on what benefits apply to you, please speak to your recruiter.
</p><p>Additionally, everyone has individual work and personal needs. We seek to enable the best work environment that helps you and the business work together to produce superior results.</p><p><b>
Equal Opportunities
</b></p><p>Equal Opportunity Employer, including disability and protected veteran status. Except where prohibited by state law, some offers of employment are conditioned upon successfully passing a drug test. This employer uses E-Verify. Please click here for additional information. (For Illinois E-Verify information click here , aqu&iacute; , or tu ).</p></div>

Crane Company

<div><p><b>About Crane
</b><br>
Crane Co. is a diversified manufacturer of highly engineered industrial products. Founded in 1855, Crane provides products and solutions to customers in the aerospace, electronics, hydrocarbon processing, petrochemical, chemical, power generation, automated merchandising, transportation and other markets. The Company has three business segments: Aerospace &amp; Electronics, Engineered Materials, and Process Flow Technologies. Headquartered in Stamford, Connecticut, Crane has approximately 11,000 employees and operates in 32 countries. Crane Co. is traded on the New York Stock Exchange (NYSE:CR)
<br>
www.craneco.com
</p><p></p><p><b>About CRANE ChemPharma &amp; Energy
</b><br>
CRANE ChemPharma &amp; Energy (within Crane's Process Flow Technology segment) designs and manufactures a variety of high performance products including: highly engineered check valves, sleeved plug valves, lined valves, process ball valves, high performance butterfly valves, bellows sealed globe valves, aseptic and industrial diaphragm valves, multi/quarter-turn valves, actuation, sight glasses, lined pipe, fittings and hoses, and air operated diaphragm and peristaltic pumps. Its trusted brands (in alphabetical order) ALOYCO&reg;, CENTER LINE&reg;, COMPAC-NOZ&reg;, CRANE&reg;, DEPA&reg;, DUO-CHEK&reg;, ELRO&reg;, FLOWSEAL&reg;, JENKINS&reg;, KROMBACH&reg;, NOZ-CHEK&reg;, PACIFIC VALVES&reg;, RESISTOFLEX&reg;, REVO&reg;, SAUNDERS&reg;, STOCKHAM&reg;, TRIANGLE&reg;, UNI-CHEK&reg;, VALVES&reg;, WTA&reg;, and XOMOX&reg; offer customers complete and innovative product portfolio designed for the most demanding corrosive, erosive, and high purity applications. Among the industries served are the chemical processing, biotechnology, pharmaceutical, oil &amp; gas, refining, and power generation.
</p><p><b>SUMMARY
</b></p><p>Provide domestic, export &amp; vendor credit services to Crane CPE
</p><p></p><p><b>ESSENTIAL DUTIES AND RESPONSIBILITIES:
</b></p><p>Work assigned collection portfolio within the GetPaid collection software which consists of email dunning notices and calls per the assigned collection strategy of past due invoices.
</p><p></p><p>Investigate and analyze the credit worthiness of current customers assigned within the GetPaid credit portfolio to renew credit limits within delegated authority limits using credit reporting agencies .
</p><p></p><p>Investigate and analyze the credit worthiness of new customers to establish credit limits within delegated authority limits using credit reporting agencies. If needed, check credit and bank references provided by the customer.
</p><p></p><p>Coordinate with cash applications to ensure correct application of wire transfers and lockbox deposits to receivables as needed.
</p><p></p><p>Maintain credit files electronically on assigned customers within the GetPaid credit software.
</p><p></p><p>Release orders within the GetPaid software or designated ERP.
</p><p>Complete month end close reporting in a timely manner.
</p><p></p><p>Assist with special credit \ treasury projects as needed and any additional tasks as assigned.
</p><p></p><p><b>QUALIFICATIONS
</b></p><ul><li><p>Knowledge of Financial Statement Analysis.
</p></li><li><p>Experience working with credit reporting agencies such as D&amp;B
</p></li><li><p>Computer knowledge of QAD,JDE &amp; PRMS.
</p></li><li><p>Experience with GetPaid software recommended.
</p></li><li><p>Strong interpersonal skills and written communication skills.
</p></li><li><p>Strong excel skills.
</p></li></ul><p></p><p><b>EDUCATION and/or EXPERIENCE
</b></p><p>BA/BS degree and a minimum of 3 years credit experience in the chemical or plastics industry, and/or other related field.
</p><p></p><p><i>This description has been designed to indicate the general nature and level of work being performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.
</i></p><p></p><p><i>Crane Company. is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment and will not be discriminated against on the basis of race, color, religion, gender, sexual orientation, general identity, national origin, disability or veteran status.</i></p></div>

Western Alliance Bank

<div><div>Job Title:</div>
Senior Credit Analyst<div></div><div>
Location:</div>
CityScape<div></div><div>
What you'll do:</div>
As a Senior Credit Analyst you'll be primarily responsible to spread, manage and maintain financial background information on present and prospective customers, and develop credit studies for the Loan Officers, Chief Credit Officer and other Executive Management. You'll manage spread assignments, conduct financial analyses, and maintain related records and files. One of your key responsibilities is the preparation of a variety of credit department reports.<ul><li>
Responsible for supporting the Credit Administration team in analyzing credit and collateral information to determine risk involved in lending money to customers. Collecting, organizing, analyzing company financials to ensure Bank compliance, and updates the Bank&rsquo;s systems accordingly. Work directly with clients to resolve compliance issues and operational inquiries.</li><li>
Review client financials and perform sensitivity analysis to evaluate credit risk in connection with Bank structures. Prepare in-depth reports providing plans of action based on qualitative and quantitative research.</li><li>
Collaborate cross-functionally with Bank groups to execute treasury management products, foreign exchange instruments, derivatives as well as legal documents. Produce loan packages for new and restructured loans.</li><li>
Facilitate reporting and requests on behalf of the Bank with third parties, e.g. field auditors, appraisers, etc. Monitor loan disbursements to ensure compliance with Bank regulations.</li></ul><div></div><div>
What you'll need:</div><ul><li>
2+ years of related experience in Accounting, Finance or Economics or similar field.</li><li>
Bachelor's degree or equivalent experience required.</li><li>
Entry level to intermediate knowledge of general banking operations, including deposit operations, loan administration, treasury management and/or other commercial banking products and services.</li><li>
Entry level to intermediate knowledge of applicable regulatory and legal compliance obligations, rules and regulations, industry standards and practices.</li><li>
Entry level to intermediate knowledge and understanding of financial statements and ability to analyze business and financial data.</li><li>
Strong analytical, conceptual, communication, leadership, and organizational skills.</li><li>
Ability to self-motivate and work productively without supervision.</li><li>
Intermediate speaking and writing communication skills.</li></ul><div></div><div>
Benefits you&rsquo;ll love:<br>
We offer all the important things you'd want &mdash; like competitive salaries, an ownership stake in the company, medical and dental insurance, time off, a great 401k matching program, tuition assistance program, an employee volunteer program, and a wellness program. In addition, you&rsquo;ll have the opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands-on experience to help grow your career!</div><div></div><div>
About the company:</div><div>
Western Alliance Bank is a wholly owned subsidiary of Western Alliance Bancorporation. Alliance Bank of Arizona, Alliance Association Bank, Bank of Nevada, Bridge Bank, First Independent Bank, and Torrey Pines Bank are divisions of Western Alliance Bank; Member FDIC. AmeriHome Mortgage is a Western Alliance Bank company.</div><div></div><div>
Western Alliance Bancorporation is committed to equal employment and will consider all qualified applicants without regard to race, sex, color, religion, age, nation origin, marital status, disability, protected veteran status, sexual orientation, gender identity or genetic information. Western Alliance Bancorporation is committed to working with and providing reasonable accommodations for individuals with disabilities. If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process and/or need an alternative method of applying, please email <div>HR@westernalliancebank.com</div> or call 602-386-2488. When contacting us, please provide your contact information and state the nature of your accessibility issue. We will only respond to inquiries concerning requests that involve a reasonable accommodation in the application process.</div><div></div><div>
&copy; Western Alliance Bancorporation</div></div>

Senior Credit Analyst

Central Bank

Responsible for assisting the Senior Loan Officer in a review of loans to ensure acceptable credit standards are maintained and loans conform to established company policy. Also responsible for conducting relationships and activities consistent with established Bank policies, procedures and systems, the corporate code of conduct, Bank Secrecy Act and all applicable State and Federal laws and regulations.
<br><br>
Assist in the investigation and analysis of routine financial data to facilitate the credit extension decision-making process.
<br>Assist the Senior Loan Officer in the preparation, presentation and interpretation of financial reports to management, the directors, shareholders, and governmental agencies.
<br>Assist with the preparation and presentation to loan committees or customers.
<br>Use credit reporting services to compile reports regarding the credit history of potential customers.
<br>Spread financial statements.
<br>Under the direct supervision of the Senior Loan Officer, assist with interpretation of findings and prepare reports of financial position and credit worthiness.
<br>Maintain loan documentation files and monitor compliance with terms of loan agreements.
<br>As assigned, conduct a systematic review of commercial, installment, and mortgage loans to determine adequacy of documentation.
<br>As assigned, monitor the financial position of established accounts and brings irregularities to the attention of the Loan Review Officer.
<br>Review loans that are being held for follow-up and recommend appropriate action.
<br>Ensure thorough knowledge and understanding of compliance and regulatory issues relating to loan policy and procedures evidenced by appropriate application of regulations in day-to-day operations.
<br>Demonstrate the highest level of professionalism, efficiency and customer service when resolving customer issues.
<br>Understand and maintain a thorough knowledge of Central Bank of Sedalia's services, operations, and organization; communicate this understanding to others when appropriate and refer inquiries and correspondence to the proper department or individual.
<br>Attend all required training.
<br><br>
<b>Requirements:</b><br>
Bachelor's degree in business or an equivalent degree program is preferred, but an equivalent combination of education, training and experience that provides the required knowledge, skills and abilities may be substituted.
<br>Minimum of 12 hours of accounting.
<br>Ability to analyze financial statements.
<br>Possess good judgment skills.
<br>Ability to make decisions within prescribed guidelines, research and solve problems, handle confidential information and manage multiple tasks.
<br>Ability to read, write, and speak English.
<br>Excellent verbal, listening and communication skills.
<br>Strong customer relations skills and ability to work with employees and customers in a cooperative manner.
<br>Ability and desire to work as part of a team, and with people of diverse backgrounds.
<br>Strong organizational skills and attention to detail.
<br>Must be able to work independently, have a great degree of initiative.
<br>Willingness to assume additional responsibilities/duties/projects as they arise.
<br>Ability to operate office equipment including PC's, calculators, telephones, voice mail, copy and fax machines.
<br>Must be proficient with Microsoft Word and Excel.
<br>Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

Santander

<div>Commercial Credit Analyst<p></p>
Country: United States of America<p></p><p><b>
Your Journey Starts Here:</b></p><p>
Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.</p><p></p><p>
An exciting journey awaits, if you are interested in exploring the possibilities <b>We Want to Talk to You!</b></p><p></p><p>
POSITION SUMMARY &ndash; CREDIT ANALYST</p><p>
We are looking for future leaders to join Santander&rsquo;s unique, one year, comprehensive Commercial Credit Training Program. You will start your journey as a Credit Analyst and join other program colleagues for 2 months of intensive classroom training followed by 10 months of rotations. In this role, you will learn critical analytical and communication skills to develop a career with a rapidly growing global financial services firm. Santander Group is one of the top 10 Banks worldwide. The US operation with $155 billion in assets is headquartered in Boston with offices across the United States.</p><p>
The program curriculum is rigorous and provides foundational, technical underwriting skills to prepare you to make an immediate impact on the business. Rotations through our Underwriting &amp; Portfolio Management and Originations teams provide the practical experience working in deal teams on live transactions for real clients across Commercial Banking. The program also includes an array of leadership and development training, a speaker series, mentoring and group community volunteering. Following graduation, analysts are placed within a Commercial Banking Underwriting &amp; Portfolio Management team based upon business line need.</p><p>
The Commercial Banking Credit Analyst Program offers unparalleled exposure to the Executive Leadership Team. Working at Santander you will engage in a high performance culture, with the goal of building lasting loyalty with our clients and developing your career. We seek exceptional candidates with an analytical mindset, intellectual curiosity, communication and teamwork skills ready to play an important role in a collaborative, fast paced deal team environment to help deliver solutions for our clients.</p><p>
SANTANDER BANK</p><p>
Santander Bank US is a subsidiary of Madrid-based Santander Group, the largest retail and commercial bank in the Eurozone and the # 1 financial institution in Latin America. Founded in 1857, with over 200,000 employees and 144 million customers, Santander Group operates in over 40 countries. In the United States Santander&rsquo;s accelerated growth leverages the firm&rsquo;s world class global capabilities.</p><p>
COMMERCIAL BANKING
</p><p>Santander&rsquo;s Commercial Banking Division is an active provider of Capital, Treasury Management, and Risk Management solutions to thousands of middle market and mid-corporate companies across the U.S. In addition, Santander&rsquo;s significant international presence uniquely positions the Bank to help companies grow their businesses. Commercial Banking has product and industry sector expertise in Technology, Media, Telecommunications, Commercial Real Estate, Asset Based Lending, Cash Flow Lending, Leveraged Finance, Equipment Leasing, Automotive Dealer Finance, Food and Beverage, Healthcare, Education, and Government Banking.</p><p><br>
JOB REQUIREMENTS &amp; RESPONSIBILITIES<br>
Graduation from the Program requires passing all requisite examinations, individual and group assessments during the classroom training, and all continuous education.<br>
Credit Analysts will have the following responsibilities:<br>
1. Complete the Commercial Credit Training Program curriculum<br>
2. Perform credit analysis and underwriting on new deals, renewals/reviews and<br>
modifications verifying compliance with credit policy<br>
3. Conduct due diligence on clients, industries and markets to identify key<br>
business drivers and risks<br>
4. Assist in the preparation of valuation and capital structure analysis in<br>
conjunction with credit approvals for new and existing clients<br>
5. Assist with legal closing process, preparing, reviewing, and validating<br>
documentation, ensuring compliance and conditions are met<br>
6. Communicate with all deal team members including: origination, underwriting, credit risk management, monitoring, and loan closing<br>
7. Monitor and assess client financials, collateral, loan covenants and risk<br>
ratings on a periodic basis<br>
8. Assess and formally review client risk through periodic Portfolio Reviews,<br>
Internal Audits, External Audits, and ad-hoc reviews<br>
9. Continuously monitor client financials/information to ensure performance to<br>
financial plan and compliance with credit agreement<br>
10. Prepare credit approval document and assist deal team in deal screen and<br>
approval meetings<br>
11. Prepare customer risk rating and financial statement analysis</p><p><br>
QUALIFICATIONS</p><ul><li>
Education: Bachelor's Degree, minimum 3.5 cumulative GPA preferred</li>
Experience: Demonstrated work ethic and proficiency in both academics, internships, extracurricular activities, and relevant leadership positions<br>
<li>
</li></ul><p>REQUIRED SKILLS
</p><ul><li>Strong intellectual curiosity, with the demonstrated ability to ask insightful questions, think critically, problem solve, and probe for deeper understanding</li><li>
Commitment to excellence, exhibits high standards, open to new challenges and learning experiences</li><li>
Strong written and verbal communicator with the ability to offer opinions and share perspective in a professional setting</li><li>
Possesses a strong work ethic, positive attitude, perseverance, resiliency, and management by fact</li><li>
Ability to prioritize, manage and meet tight deadlines</li><li>
Strong attention to detail</li><li>
Ability to collaborate within a team and work independently</li><li>
Proficiency in Microsoft Word, Excel, PowerPoint</li></ul><p>
At Santander, we value and respect differences in our workforce and strive to<br>
increase the diversity of our teams. We actively encourage everyone to apply.<br>
www.santander.com</p><p></p><p><b>
What Else You Need To Know</b><b>:</b></p><p>
The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location.</p><p></p><div><div><div><div><div><div><div><h2 class="jobSectionHeader"><b>
Base Pay Range</b></h2></div></div></div></div></div></div></div><div><div><div><div><div><div><div><p>
Minimum:</p></div></div></div></div></div></div></div>
$63,750.00 USD<div><div><div><div><div><div><div><p>
Maximum:</p></div></div></div></div></div></div></div>
$97,500.00 USD<p></p><p><b>
Link to Santander Benefits:</b></p><p><b>
Santander Benefits - 2025 Santander OnGoing/NH eGuide (foleon.com)</b></p><p></p><p><b>
Risk Culture:</b></p><p>
We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management.</p><p></p><p><b>
EEO Statement:
</b></p><p>At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law.<br>
<br>
<b>Working Conditions</b>:</p><p>
Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required.<br>
<br>
<b>Employer Rights:</b></p><p>
This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason.</p><p></p><p><b>
What</b><b> To Do Next</b><b>:</b></p><p>
If this sounds like a role you are interested in, then please apply.</p><p></p><p>
We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at TAOps@santander.us to discuss your needs.</p><p><b><br>
Primary Location: </b>Boston, MA, Boston</p><p><b><br>
Other Locations: </b>Massachusetts-Boston</p><p><b><br>
Organization: </b>Santander Bank N.A.</p></div>

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