Credit Analyst POST NUMBER: 455350
Credit Analyst I– Commercial Lending
Confidential Non-Bank Lender | Mission-Driven Financial Institution
Are you a community banker looking to make a deeper impact? Join a growing, purpose-driven financial organization committed to supporting small businesses and underserved communities. We’re seeking a Credit Analyst with strong underwriting experience and a passion for relationship lending to support our commercial lending team.
In this role, you'll work closely with senior credit professionals to analyze and structure loans that help small businesses grow. If you're currently working at a community bank and looking for a new way to apply your skills in a mission-focused environment, this is a unique opportunity to do just that—without the bureaucracy of traditional banking.
Key Responsibilities:
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Review and verify submitted financial information for accuracy and completeness.
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Prepare and analyze financial statements and credit spreads.
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Perform credit risk analysis for complex clients and non-standard deal structures.
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Communicate directly with borrowers to gather information, clarify financials, and discuss analysis results.
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Draft and present credit memos and recommendations to loan committee.
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Support the underwriting process by entering and updating data in Salesforce.
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Generate term sheets and other loan documents post-approval.
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Take ownership of higher-risk or more complex credit analyses as assigned.
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Perform additional duties as needed to support the credit and lending teams.
Qualifications:
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Bachelor’s degree required.
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Minimum 3 years of experience in commercial credit analysis, preferably at a community bank or CDFI.
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Familiarity with small business and commercial lending documentation and practices.
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Excellent analytical skills and attention to detail.
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Strong interpersonal, written, and verbal communication skills.
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Proficiency in Microsoft Office, Adobe, and multiple data management systems.
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Experience working in a high-volume, fast-paced lending environment.
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Committed to providing exceptional service to clients and team members alike.
Why Join Us?
We’re a growing financial institution that operates outside the traditional banking model, offering flexible lending solutions to clients who may not meet standard underwriting criteria. You’ll have the opportunity to contribute to a mission of financial inclusion and economic development—while working alongside a dedicated and experienced team.
Vaco by Highspring values a diverse workplace and strongly encourages women, people of color, LGBTQ+ individuals, people with disabilities, members of ethnic minorities, foreign-born residents, and veterans to apply.
EEO Notice
Vaco by Highspring is an Equal Opportunity Employer and does not discriminate against any employee or applicant for employment because of race (including but not limited to traits historically associated with race such as hair texture and hair style), color, sex (includes pregnancy or related conditions), religion or creed, national origin, citizenship, age, disability, status as a veteran, union membership, ethnicity, gender, gender identity, gender expression, sexual orientation, marital status, political affiliation, or any other protected characteristics as required by federal, state or local law.
Vaco by Highspring and its parents, affiliates, and subsidiaries are committed to the full inclusion of all qualified individuals. As part of this commitment, Vaco by Highspring and its parents, affiliates, and subsidiaries will ensure that persons with disabilities are provided reasonable accommodations. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact HR@vaco.com .
Vaco by Highspring also wants all applicants to know their rights that workplace discrimination is illegal.
By submitting to this position, you agree that you will be giving Vaco by Highspring the exclusive right to present your as a candidate for the foregoing employment opportunity. You further agree that you have represented information about yourself accurately and have not affirmatively misrepresented your qualifications. You also agree to maintain as confidential, to the fullest extent permitted by law, any information you learn from Vaco by Highspring about the position and you will limit disclosure of information about the position only to the extent necessary to perform any obligations in furtherance of your application. In exchange, Vaco by Highspring agrees to exercise reasonable efforts to represent you through all solicitation, job screening and resume dispersal.
Privacy Notice
Vaco by Highspring and its parents, affiliates, and subsidiaries (“we,” “our,” or “Vaco by Highspring”) respects your privacy and are committed to providing transparent notice of our policies.
- California residents may access Vaco by Highspring HR Notice at Collection for California Applicants and Employees here.
- Virginia residents may access our state specific policies here.
- Residents of all other states may access our policies here.
- Canadian residents may access our policies in English here and in French here.
- Residents of countries governed by GDPR may access our policies here.
Pay Transparency Notice
Determining compensation for this role (and others) at Vaco by Highspring depends upon a wide array of factors including but not limited to:
- the individual’s skill sets, experience and training;
- licensure and certification requirements;
- office location and other geographic considerations;
- other business and organizational needs.
With that said, as required by local law, Vaco by Highspring believes that the following salary range referenced above reasonably estimates the base compensation for an individual hired into this position in geographies that require salary range disclosure. The individual may also be eligible for discretionary bonuses.