Credit Analyst

At First International Bank & Trust, we believe in building lasting relationships through sound financial decisions and personalized service. We’re seeking a Credit Analyst who thrives on analyzing financial data, assessing credit risk, and supporting our commitment to responsible lending. If you’re detail-oriented, collaborative, and passionate about helping businesses grow, we invite you to join our team.

In-Office Position

Compensation - $28/hr to $55/hr

Key Responsibilities

• Assist loan officers in analyzing financial information from clients across various sectors.
• Analyze business and personal tax returns, financial statements, and risk to determine credit quality using Sageworks or similar systems.
• Prepare loan presentations, comment sheets, and annual reviews.
• Provide guidance and training to team members on credit analysis and review work when needed.
• Accompany loan officers on client and prospect calls to help build and maintain key relationships.
• Attend training sessions and collaborate on ideas and solutions for continuous improvement.
• Perform additional duties as assigned.
  
  

Position Competencies

• Strong analytical skills with the ability to gather and interpret financial data.
• Exceptional attention to detail and organization.
• Clear and informative written communication.
• Ability to prioritize tasks and manage time effectively.
  
  

Qualifications

• Bachelor’s degree in Finance, Accounting, or Business; 2-5 years of relevant experience in finance or lending; or an equivalent combination of education and experience.
• Analyzed financial statements, including balance sheets, income statements, and cash flow statements.
• Assessed borrower risk and recommended appropriate loan structures.
• Built financial models to project future cash flows.
• Applied underwriting principles to structure loans effectively.
• Experience using Abrigo Sageworks preferred.
  
  

Benefits

We show our employees we care by providing competitive benefits and training and growth opportunities. Here are the things we offer within our full-time benefits package:

• Health, Dental & Vision
• 401K Retirement Plan with Employer Match
• Paid Parental Leave
• Life and Disability Insurance
• Generous PTO and Holiday pay
  
  

If you are interested in learning more, you can apply or if you have questions before applying you can reach out directly at [email protected].

Equal Opportunity Employer