Junior Credit Analyst

CFG Bank, based in Baltimore, Maryland, is a leading financial institution serving the national healthcare and multifamily markets. They are seeking a Junior Credit Analyst to evaluate and determine the credit risks of commercial clients through comprehensive analysis of financial statements, tax returns, and market assessments.

Responsibilities

• Analyze financial statements, tax returns, and cash flow reports for both businesses and individuals to assess creditworthiness for new borrowing requests
• Prepare credit approval packages and supporting reports to assist in decisionmaking. Participate in client discussions and calls as needed
• Conduct annual line renewals and term loan reviews, identifying deteriorating trends and advising loan officers and management on necessary followups to mitigate credit risk
• Evaluate borrower covenant compliance and reporting requirements on an ongoing basis
• Establish and maintain credit files, ensuring accuracy and compliance with bank policies
• Maintain a strong understanding of bank policies, legal and compliance requirements, and marketrelated risks associated with credit approvals
• Support credit administration functions, undertake special projects, and perform other assigned duties
• Ensure adherence to the Commercial Credit Policy by verifying compliance and documenting any exceptions
• Stay up to date on accounting pronouncements and financial analysis trends
• Adhere to all compliance and operational risk controls in accordance with company policies and regulatory standards
• Foster an inclusive and supportive environment in alignment with CFG Bank’s commitment to diversity and its core values
• Uphold internal control standards by addressing audit points and resolving issues raised by internal or external regulators
• Participate in Loan Analysis Department initiatives and complete additional responsibilities as assigned

Skills

• Bachelor's Degree in Accounting, Finance or Business Administration
• Basic knowledge of economic and accounting principles
• Strong verbal and written communication skills
• Ability to work independently and meet time commitments
• Working knowledge of Word and Excel

Benefits

• Employerprovided health benefits: medical insurance, dental & vision insurance, disability insurance, life insurance, mental health support services, wellness program & free fitness center onsite (for Baltimorebased employees)
• Paid time off: vacation days, sick leave, volunteer days
• Retirement plan: 401(k) with employer match
• Other compensation elements: Discretionary annual bonus and overtime pay for nonexempt positions

Company Overview