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Commercial Credit Analyst

Mutual Savings Bank | April 27, 2023

Job Type : Full Time

Job Location: 1124 North Main Street, Franklin, Indiana, 46131

Employer: Mutual Savings Bank

Location: Loan Center

Reports To: Credit Manager STATUS: Non-exempt


Completion of the following tasks at a basic skill level:

  • Complete accurate, unbiased credit analyses within required timelines and according to standards including cash flow analysis, narrative summary, and preparation of credit memorandum and financial projections.
  • Assist in monitoring the credit quality of the borrowers by assisting in obtaining and keeping financial data current and analyzing for trends, concerns, and covenant compliance.
  • Complete credit monitoring functions including spreading and review of financial statements, borrowing base and covenant testing, marketable securities, and annual reviews.
  • Assign loan codes, NAICS codes, and risk grade data accurately.
  • Use of financial spreading software, loan system, cash flow analysis, and other systems and tools.
  • Attend and participate as needed in loan committees.
  • Complies with all regulatory compliance issues relative to this position, which may include butnot be limited to, BSA, CRA, OFAC, Reg E, Reg Z, Reg CC, and Reg DD.
  • Demonstrates analytical skills.
  • Ability to complete spreads, analyze trends, and assess credit risks.
  • Capable of multi-tasking, highly organized, with excellent time management skills.
  • Detail oriented
  • Excellent verbal and written communication skills.
  • Ability to create and maintain professional relationships within all levels of the bank: peers, lenders, customers, supervisors.


  • Bank credit experience preferred, or similar experience.
  • Knowledge of personal and business financial statements and tax returns.
  • Experience with Sageworks, or similar financial statement analysis software.
  • Knowledge of Microsoft Office applications.
  • Ability to organize and prioritize to meet deadlines.
  • Strong customer service skills.