Credit Analyst I, II, III, or Senior

ANB Bank has financial strength embodied in $3 billion in assets and is a true community bank with an unwavering commitment to excellence. The bank helps each of its communities prosper through investment, sponsorship, philanthropy, and employee volunteerism. It is a passion ANB has for banking that makes a difference.

ANB Bank hires individuals who provide excellent customer service and build meaningful relationships with our customers and within our communities. ANB is committed to rewarding our team members who strengthen our company and culture. ANB offers competitive compensation and a comprehensive benefits package for this position.

Hiring Pay Range: $22.25 - $120,120.00 per year (Includes $1.00 per hour Cost of Living Adjustment)

• Credit Analyst I - $22.25 - 30.00 per hour
• Credit Analyst II - $56,680.00 - $82,680.00 per year (Includes $2080.00 Cost of Living Adjustment)
• Credit Analyst III - $68,640.00 - $99,320.00 per year (Includes $2080.00 Cost of Living Adjustment)
• Senior Credit Analyst - $82,160.00 - $120,120.00 (Includes $2080.00 Cost of Living Adjustment)
• The hiring pay range for this position is commensurate with the level of relevant experience and education.

Health & Wellness Benefits (Subject to Eligibility Requirements)

• Minimum 4 Weeks of Paid Time Off (PTO)
• 11 Paid Holidays
• Medical, Dental, and Vision Insurance
• Health Savings (HSA), Flexible Spending (FSA), and dependent care spending accounts
• Company provided Live, AD&D, and Disability Insurance with supplementation options
• 401(k) plan with discretionary company match and profit sharing
• Discretionary annual bonus and employee referral incentives
• Employee Assistance Program (EAP)
• Tuition Reimbursement Program
• Spanish Communication Assistant Program Incentive
• Employee Banking Products

Summary

• Responsible for supporting the lending activities within a region or market by providing insightful and timely credit analysis of prospective and current borrowers, including interpretation of financial statements, collateral and cash flows.

Essential Duties and Responsibilities

• Assist with lender preparation of Credit Presentations for bank loan committee.

• Prepare spreadsheets, cash flow analyses, collateral assessments, with commentary in evaluation of commercial (R/E, Ag, Energy, C&I) loan requests.

• Perform extensive credit analysis including gathering, analyzing and interpreting all types of credit information on existing and prospective customers prior to the credit decision being made. This includes, but is not limited to:

• Analysis of business and personal financial statements such as balance sheets, income statements, cash flow statements and credit reports.

• May also include analysis of customer performance compared to peer industry averages.

• Analysis the more difficult and complex credits within the department.

• Meet with lenders to gather information to support credit analysis

• Investigate all available sources of credit and financial information, including reporting services, credit bureaus and agencies.

• Review appraisals, environmental reports, title reports and loan documents for collateral property.

• When appropriate, review and analyze property financial information to determine actual income, expenses and projected debt service coverage.

• Interact with accountants and attorneys at direction of management, when necessary to perform analysis.

• Research and/or develop credit information for use by senior credit staff, lenders, or other credit officers in lending decisions on new loans, renewals, and extensions.

• Update spreadsheets, cash flow analyses, collateral assessments, and financial statements for term loan reviews.

• May conduct specialized analyses and prepare specialized reports on loan quality/portfolio quality for management.

• Must meet established deadlines.

• Provide supervisory assistance at manager's discretion. This would include; managing the department's pipeline, assigning credit request to Underwriting Analysts and reviewing work the analysts' work products.

• Responsible for training both members of the Underwriting Department as well as members of the lending staff.

• Delivers quality of service ad defined by department standards.

• Maintains a current knowledge and consistent compliance with Bank Secrecy Act (BSA) requirements, as well as knowledge and consistent compliance with other banking regulations and Bank policies and procedures related to the position.

• Other duties may be assigned.

Education and/or Experience

Credit Analyst I

• 0 - 2 years of experience in analysis of more complex financial data experience; finance, accounting, economics, equivalent degree or equivalent combination of education and experience.
• Extensive knowledge of sound lending and underwriting principles, industry standards and regulatory compliance.
• Previous experience working with financial spreading systems is preferred.
• Performs duties under some guidance and direction of senior leaders.

Credit Analyst II

• 2 - 3 years of experience in analysis of more complex financial data experience; or equivalent combination of education and experience.
• General knowledge of sound lending and underwriting principles, industry standards and regulatory compliance.
• Previous experience working with financial spreading systems is required
• Provides duties under appropriate guidance and direction of senior leaders

Credit Analyst III

• 3 or more years of experience in analysis of more complex financial data experience; or equivalent combination of education and experience.
• General knowledge of sound lending and underwriting principles, industry standards and regulatory compliance.
• Previous experience working with financial spreading systems is required.
• Provides duties under minimal guidance and direction of senior leaders.

Senior Credit Analyst

• 2-5 Years of experience in analysis of more complex financial data experience; or equivalent combination of education and experience.
• Extensive knowledge of sound lending and underwriting principles, industry standards and regulatory compliance.
• Previous experience working with financial spreading systems is required.
• Performs duties under some guidance and direction from senior leaders.
• To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Work Schedule: Monday - Friday, 8:00am - 5:00pm

Equal Opportunity Employer / Affirmative Action / Minorities / Female / Disability / Veteran

ANB Bank is committed to providing Equal Opportunity in Employment. The Bank is continually trying to improve recruitment, employment, development, and promotional opportunities for its employees. Our selection decisions are based on job-related factors and not on the basis of age, race, sex, color, religion, national origin, disability, sexual orientation, veteran status, pregnancy, marital status, genetic information, gender identity, or any other status protected by federal, state, or local law.

ANB Bank complies with the Equal Pay for Equal Work Act. ANB Bank requests that Applicant not disclose its wage history to ANB Bank. If ANB Bank for any reason comes into possession of Applicant's wage rate history, ANB Bank will not rely on it in determining a wage rate. ANB Bank requests that Applicant not provide information on age, date of birth, or graduation date from any academic institution, including on resumes.

Anticipated Date of Application Window Closure: 10/22/2026 (or until filled)