Junior Credit Analyst I

Access National Bank - Reston, VA (30+ days ago)3.0


Position Summary:

Analyze credit data and financial statements of individuals or firms to determine the degree of risk involved in extending credit. Prepare credit reviews for use in decision making.

Essential Functions:

  • Complete financial statement spreads, personal cash flow and global debt service analysis. Generate financial ratios to evaluate balance sheet strength and performance trends.
  • Compare liquidity, leverage and profitability of borrowers to market trends and peer groups to determine risk.
  • Prepare written analysis and assign risk rating on consumer loans and routine commercial transactions to determine the ability to service debt.
  • Work collaboratively with sales and credit partners.
  • Assess relationship quality and risk rating in conjunction with the annual loan review.
  • Complete annual assessments of critical vendors.
  • Continue to stay informed on Business Loan Policy and federal regulations.
  • Other duties as assigned.


  • Bachelor’s degree in a business-related field or equivalent education and related training.
  • Strong verbal and written communication skills.
  • Excellent interpersonal, analytical and problem solving skills.
  • Must have the ability to work independently and within a team environment.
  • Proficient in spreadsheet, word-processing and database applications including Microsoft Office.


  • 1 to 2 years of experience in financial statement analysis and commercial underwriting.
  • Successful completion of a formalized credit program.

Job Type: Full-time


  • Commercial underwriting: 1 year (Preferred)
  • Financial Statements: 1 year (Preferred)