Credit Analyst Team Lead

Overview

The Credit Analyst Team Lead provides leadership, oversight, and professional development for a team of Credit Analysts while supporting the bank's commercial lending objectives. This role combines people leadership with advanced credit analysis responsibilities, ensuring high-quality underwriting, timely credit decisions, and adherence to established credit policies and procedures.

The Credit Analyst Team Lead also serves as a key partner to Commercial Lending teams by evaluating borrower financial performance, identifying risks and opportunities, providing industry insights, and promoting consistent credit practices across the organization. This position also plays an active role in process improvement initiatives and the ongoing development of credit risk management standards.

Key Responsibilities

Team Leadership & Development

• Lead, coach, and develop a team of Credit Analysts to support individual growth and departmental objectives.
• Assist with recruiting, onboarding, training, performance management, and career development activities.
• Establish and monitor team priorities, workload distribution, and service standards to ensure timely completion of credit requests.
• Foster a collaborative, accountable, and customer-focused work environment.

Credit Analysis & Underwriting Support

• Analyze commercial loan requests through detailed evaluation of borrower financial statements, tax returns, cash flow, collateral, and repayment capacity.
• Assess the financial condition, operating performance, and risk profile of commercial borrowers and guarantors.
• Identify trends, strengths, weaknesses, and significant changes in a borrower's financial performance.
• Prepare and review accurate and comprehensive credit presentations, loan approval packages, annual reviews and renewals.
• Ensure compliance with bank policies, procedures, regulatory requirements, and credit administration standards.
• Meet established service level expectations and underwriting deadlines.

Commercial Lending Partnership

• Serve as a trusted advisor to commercial lenders and credit leadership by providing timely and accurate financial analysis and risk-based recommendations.
• Effectively communicate financial results, credit risks, and mitigating factors to support sound lending decisions.
• Assist lenders in understanding industry-specific financial considerations, operating trends, and market conditions affecting borrower performance.
• Maintain strong working relationships with lending teams and other key stakeholders across the organization.

Portfolio Management & Risk Assessment

• Monitor existing credit relationships for changes in financial performance, industry conditions, collateral values, and other risk factors.
• Ensure risk ratings accurately reflect the current condition of borrowing relationships.
• Support ongoing credit quality initiatives and portfolio monitoring activities.

Process Improvement & Risk Management

• Participate in and lead continuous improvement initiatives to enhance efficiency, consistency, and credit quality.
• Support the implementation of best practices within the credit underwriting process.
• Ensure compliance with bank policies, regulatory requirements, and established credit administration standards.
• Monitor departmental performance metrics and adherence to analysis and reporting deadlines.

Required Competencies

Leadership

• Team development and coaching
• Performance management
• Relationship building and collaboration
• Adaptability and process improvement mindset

Technical & Analytical

• Advanced financial statement analysis
• Commercial credit underwriting
• Cash flow analysis and debt service evaluation
• Risk assessment and problem solving
• Commercial loan structuring
• Critical thinking and problem-solving
• Attention to detail and accuracy

Communication & Professional Skills

• Strong written and verbal communication skills
• Ability to communicate complex financial concepts to diverse audiences
• Professional judgment and decision-making
• Collaboration and partnership-building
• Effective presentation and consultation skills
• Intellectual curiosity and continuous learning mindset
• Organization and time management abilities
• Active listening and interpersonal effectiveness

Technology

• Proficiency in Microsoft Office Suite, including advanced Microsoft Excel skills.
• Experience using credit analysis software, financial spreading tools, and loan origination systems.
• Ability to leverage technology and reporting tools to enhance analytical effectiveness and operational efficiency.

Education & Experience

• Bachelor's degree in Finance, Accounting, Economics, or a related field required.
• Minimum of five (5) to seven (7) years of experience in commercial credit analysis, commercial lending, commercial banking, or a related financial services role.
• Previous experience leading, mentoring, or developing team members preferred.
• Demonstrated experience analyzing complex commercial credit relationships across a variety of industries.
• Strong understanding of financial statement analysis, cash flow modeling, credit risk assessment, and commercial loan structures.

Success Factors

Successful candidates will demonstrate the ability to balance team leadership with technical credit expertise, build strong partnerships with lenders, drive process improvements, and contribute to sound credit decisions that support the bank's growth and risk management objectives.

Bonus Points

• Bilingual or multilingual skills
• What we can offer you: Medical, dental, vision, STD, LTD, Life insurance, etc.

• 17 days paid time off, 11 paid holidays, and bereavement leave
• Education Assistance Program
• Paid Parental Bonding Leave

Wellness benefits

• Life event coverage
• Service awards
• Financial benefits including 401(k) match, stock purchase plan and more
• Great deals on both national and local discounts on everything from computers and vacations to phones and retail shopping
• Logo wear discounts
• Free checking account, checks and discounted bank services