Financial Analyst

Countybank is seeking a detail-oriented Financial Analyst to deliver sound financial analysis that supports timely, well-documented credit decisions. This mid-level, on-site role partners closely with lenders and the Credit Department to evaluate requests for new and existing customers and monitor portfolio quality.

If you're ready to apply your accounting foundation in a high-standards credit environment, we encourage you to apply.

Key Responsibilities:

• Coordinates activities with the lending team to support the workflow of commercial credits, including compliance with loan policy, credit quality standards, and preparation of financial analysis in accordance with the Bank's underwriting procedures.
• Performs rigorous analysis of financial statements, including sensitivity/scenario analysis, identification of key risks and mitigants, and recommendations based on due diligence to support approval/denial decisions by business development officers and credit administration.
• Maintains open communication and collaboration between business development teams and Credit Administration by providing clear, timely updates on status, progress, and required information.
• Ensures transactions conform to the Bank's loan guidelines; assists in identification, disclosures, and appropriate mitigation of policy exceptions as part of the underwriting process.
• Monitors existing relationships for adherence to loan covenants and conditions; helps maintain required information and ensures timely reporting and documentation.

Commercial Loan Review and Underwriting:

• Manages risk within the commercial loan portfolio through detailed analysis of corporate and individual financials, industry trends, cash flow, and collateral.
• Engages Credit Administration throughout the process as appropriate based on complexity, risk, or policy considerations.
• Performs relationship reviews as needed, including assessment of financial condition, management strength, collateral, cash flow, and documentation quality.
• Monitors annual review progress and provides reporting to Senior Leadership; maintains and updates servicing items and tracking requirements as appropriate.

Professional Development:

• Pursues ongoing professional development through seminars, association meetings, and relevant coursework to remain current on underwriting practices and industry trends.
• Maintains community involvement through participation in civic clubs and organizations, supporting the Bank's presence and relationships within the market.

A Typical Day in this Role:

Your day is primarily desk-based and centered on active deal flow with lenders. You'll receive financial statements, review them for accuracy, and complete financial analysis to understand performance and repayment capacity. As questions arise, you'll identify what additional information is needed, draft targeted follow-ups, and connect with lenders via phone, email, or chat to confirm next steps with the customer. You'll also prepare concise email summaries that outline the financials so the lender and credit leadership can quickly review and determine how to proceed. On a weekly or monthly basis, you'll assist with management reporting, annual review tracking, loan tickler monitoring, and audit/exam support.

This is a full-time position in a smoke and drug-free workplace. Countybank offers a values-driven culture that supports employee growth, satisfaction, and professional success. Compensation commensurate with experience, education, and qualifications.