Credit Finance - Financial Analyst

Job Description
RiverBank is a community bank with a history of service that goes far beyond traditional banking relationships. Our primary mission is to "Make Business Banking Easy" by supporting the growth and success of businesses in our community. We are seeking a talented Commercial Credit Analyst to join our high-performing team. The Commercial Credit Analyst is a key member of the Credit Administration team, responsible for analyzing commercial borrowing relationships, assessing financial performance, identifying risk factors, and supporting sound credit decisions.

This role offers a strong foundation and growth pathway toward senior credit analysis and commercial underwriting responsibilities over time.

Commercial Credit Analysis & Risk Assessment
~ Analyze commercial loan requests, renewals, modifications, and annual relationship reviews across a range of business credit relationships.
~ Evaluate borrower and guarantor financial strength through detailed review of business and personal financial statements, tax returns, projections, borrowing base reports, and supporting documentation.
~ Perform cash flow analysis, debt service coverage calculations, leverage and liquidity analysis, and trend analysis.
~ Assess collateral adequacy, repayment sources, guarantor support, and overall credit structure.
~ Identify strengths, weaknesses, risks, and appropriate mitigating factors associated with commercial credit relationships.
~ Spread business and personal financial statements and tax returns in accordance with bank guidelines.

Credit Presentation & Documentation
~ Prepare clear, concise, accurate, and well-supported credit memorandums, analytical reports, and risk assessments for management review.
~ Develop credit recommendations and identify policy exceptions, documentation deficiencies, and compliance considerations.
~ Gather and organize supporting loan documentation and financial information to complete credit files that meet Bank policy and regulatory requirements.
~ Assist with annual reviews, credit renewals, risk ratings, loan modifications, and portfolio maintenance activities.

Portfolio Monitoring & Relationship Support
Monitor borrower financial performance, covenant compliance, approval conditions, and overall credit quality. Collaborate with Commercial Bankers and Relationship Managers to understand customer needs, business operations, and credit structuring opportunities.
~ Provide analytical support throughout the commercial lending process and participate in customer or prospect discussions as appropriate.

Policy, Compliance & Quality Assurance
~ Ensure all analysis and recommendations comply with RiverBank Loan Policy, regulatory requirements, credit standards, and safe-and-sound banking practices.
~ Support loan review, audits, examinations, internal reviews, and special credit projects as needed.
~ Complete required training and remain current on regulatory, economic, and industry developments.

Education, Training and/or Experience

~ Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or a related field.
~ Two to five years of experience in commercial banking, financial analysis, accounting, credit analysis, treasury, lending support, or a related financial services role.
~ Experience analyzing financial statements and tax returns required.
~ Commercial credit analysis or underwriting experience, C&I and commercial real estate lending exposure, formal credit training, and community banking experience preferred.

Strong financial statement analysis and interpretation skills, including cash flow, global cash flow, and debt service coverage calculations. Understanding of commercial lending fundamentals, including working capital needs, capital expenditure financing, collateral protection, covenant monitoring, and repayment capacity. Ability to interpret tax returns, borrowing base reports, appraisals, business valuations, legal entity structures, and loan documentation. Familiarity with financial spreading platforms (e.g., Buker’s Tax Analysis or a comparable system) preferred.

This position is eligible for annual bonus with the first year being pro-rated based on time in position.
~ Vacation (3 Weeks), Sick Leave (12 days a year), Volunteer Time off (24 hours) & All Bank Holidays (at least 40+ paid days off a year total that increase with tenure)
~90% Employer Paid Medical & 100% Employer Paid Vision, Dental, & Long-Term Disability Insurance for every Team Member
~ An HRA where an employee only pays $600 towards their medical deductible and the company reimburses any other deductible costs ($4,900+ value)
~ Employer-paid Life Insurance (two times your annual earnings)
~ Employer Paid Employee Assistance Program
~Discounted Rates on Pet, Home, & Auto Insurance
RiverBank
, Inc. does not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.