Credit Analyst II

Northwest Bank

Credit Analyst II underwriting commercial real estate and C&I loans for Northwest Bancshares. Preparing credit memos, assessing repayment capacity, and supporting commercial loan portfolio management.

Posted 8/13/2026full-timeColumbus • Ohio, Pennsylvania • 🇺🇸 United StatesMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in financial statement analysis, underwriting, and credit risk assessment within commercial lending. Proficient in using financial analysis tools and maintaining compliance with banking regulations and policies.

Highest-signal resume keywords

Financial Statement SpreadingUnderwritingCredit AnalysisCommercial Lending ExperienceCompliance Knowledge

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk AssessmentLoan Covenant TestingCollateral Coverage AnalysisFinancial Analysis ToolsCredit StructuringData Integrity ManagementFinancial Statement AnalysisRepayment Capacity AnalysisOpportunity Memo PreparationCredit Memo Completion

Soft Skills

Team CollaborationCommunication SkillsTraining and Support

Tools & Technologies

Financial Spreading SoftwareMicrosoft OfficeDepartment-Specific Software

Industry Keywords

Commercial LendingCredit AdministrationCRE LendingC&I LendingBanking RegulationsAudit Compliance

About the role

Key responsibilities & impact

Perform financial statement spreading, underwriting, and credit analysis for commercial lending and commercial loan portfolio management
Complete credit memos for new money requests to new and existing borrowers
Support Portfolio Management by completing annual reviews, renewals, change memos, and modifications
Prepare timely, high-quality credit analyses and recommendations evaluating credit strengths and weaknesses
Assess credits and finalize Opportunity Memos for presentation; participate in OM calls
Analyze financial statements, industry risk, loan structure, and market conditions to assess creditworthiness and repayment ability
Use financial spreading software and financial analysis tools to evaluate cash flow and repayment sources
Conduct underwriting, identify credit risks, analyze repayment capacity, and prepare collateral coverage narratives
Recommend credit structuring, documentation, and risk controls; determine underwriting and due diligence requirements
Complete underwriting within expected service levels and turnaround times
Participate in business calls with commercial lending and credit administration teams
Maintain knowledge of macroeconomic issues in local markets and regional industries
Maintain data integrity in the underwriting platform
Manage compliance and audit-related matters within the area of responsibility
Monitor workflows and procedures and suggest revisions to improve efficiency and minimize expenses
Identify potential credit losses and mitigate risk
Use risk-rating models to determine credit request risk ratings
Evaluate guarantors using personal financial statements and tax returns
Perform loan covenant testing and update covenant compliance records
Review loan documentation for accuracy
Provide training and support for new analysts
Ensure compliance with Northwest policies, procedures, and Federal/State regulations
Navigate Microsoft Office, computer applications, and department-specific software
Work as part of a team and with on-site equipment
Perform other related duties, projects, special-team assignments, and educational training as assigned

Requirements

What you’ll need

Bachelor’s degree in business administration, management, accounting, finance, or another related discipline
3–5 years of relevant commercial lending or credit administration experience
Experience specifically related to CRE and C&I lending
Ability to perform financial statement spreading, underwriting, and credit analysis
Ability to analyze borrower cash flow, repayment sources, collateral coverage, and credit risk
Knowledge of commercial credit policy, banking rules, regulations, compliance, and audit matters
Ability to use financial spreading software, Microsoft Office, computer applications, and department-specific software
Ability to evaluate guarantors using personal financial statements and tax returns
Ability to perform loan covenant testing and maintain compliance records
Ability to review loan documentation for accuracy
Ability to work with on-site equipment and as part of a team

Benefits

Comp & perks

Competitive compensation and benefits
Professional development opportunities
Regularly celebrating wins
Inclusive environment
Equal opportunity employment