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Credit Analyst at CNB Financial Corporation

Carlsbad, New Mexico, United States -

Full Time

Start Date

Immediate

Expiry Date

13 Mar, 26

Salary

0.0

Posted On

13 Dec, 25

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Financial Analysis, Tax Return Analysis, Cash Flow Assessment, Debt Service Coverage, Financial Statement Analysis, Loan Spreading Software, Attention to Detail, Time Management, Organizational Skills, Analytical Skills, Critical Thinking, Communication Skills

Industry

Banking

Description

Job Title: Credit Analyst Department: Loans Reports To: Credit Analyst Lead SUMMARY We are seeking an experienced Commercial Credit Analyst to support our lending team by providing in-depth financial analysis of new and existing credit relationships. The ideal candidate will be proficient in analyzing financial statements and tax returns across a variety of business types to determine cash flow, assess debt service coverage (DSCR), and support sound credit decisions. ESSENTIAL DUTIES AND RESPONSIBILITIES * Analyze financial statements and tax returns in connection with requests from loan officers and prepare financial analysis assessments via a credit memo. * Review personal and business tax returns, financial statements, and other supporting documents to assess global, borrower, and guarantor cash flow and asses the overall financial strength of the borrower and guarantors. * Determine and interpret DSCR, trends, and repayment capacity across multiple industries and entity types (e.g., Partnerships, S-corps, sole proprietorships). * Prepare clear, concise written analysis in connection with financial spreads. * Complete annual loan reviews for existing relationships. * Collaborate with management on documentation exceptions reviews. EDUCATION and/or EXPERIENCE * Bachelor’s degree in Accounting, Finance, or a related field. Equivalent work experience will be considered. * Solid understanding of financial statement and tax return analysis (1040, 1065, 1120S, etc.) and cash flow methodologies. * Familiarity with loan spreading software and/or web-based applications preferred (Abrigo/Sageworks, Hawthorne, etc.) * High attention to detail and accuracy, with excellent time management and organizational skills. * Strong analytical and critical thinking skills with the ability to communicate findings effectively.

Responsibilities

The Credit Analyst will analyze financial statements and tax returns to support loan officers and prepare financial assessments. They will also review borrower and guarantor cash flow and conduct annual loan reviews for existing relationships.