Commercial Credit Analyst

We are changing FINANCE to finance CHANGE! At  Climate First Bank , we’re redefining what banking can be. As a Florida Benefit Corporation and FDIC-insured commercial bank, we offer a full suite of personal and business services—including solar, residential, commercial, ESOP Banking, Structured Finance and SBA loans—all designed to power a better future. We’re proud to be a Certified B Corporation, a member of 1% for the Planet, and part of the Global Alliance for Banking on Values (GABV), reflecting our deep commitment to sustainability, transparency, and ethical banking. With branches in  St. Petersburg, Winter Park, Mount Dora , and a growing  digital presence , we’re proving that banking can be a force for good. We don’t just support environmental and social causes—we’re built on them. Under our Holding Company,  Climate First Bancorp , we are also powered by OneEthos.  OneEthos  operates at the intersection of fintech and traditional banking to expand access to inclusive, values-driven financial services. Regulated by the Federal Reserve Bank, it equips Community Banks, Credit Unions, CDFIs, and Green Banks with ethical lending tools—especially in climate finance and solar lending. Join the Movement We’re seeking  driven, mission-aligned  individuals ready to make an impact. If you’re passionate about sustainability, thrive in a fast-paced, results driven environment, and want to be part of something bigger, you will feel right at home. Our team is one of  goal-setters, go-getters, problem solvers, thought leaders, and changemakers . We celebrate wins, tackle challenges head-on, and push boundaries. Fueled by purpose, we thrive where perseverance and passion turn ambitious goals into reality. Thrive at Climate First Bank At Climate First Bank, we’re investing in your future. We offer a comprehensive, people-first benefits package that supports your health, finances, and work-life balance. Compensation   —  In addition to the base salary, this position may be eligible for an annual bonus, incentives and equity. Actual compensation is based on industry salary ranges, internal salary structures, experience, skills and other job-related factors. Health Coverage  —  100% employer-paid for employees; employer contribution for dependents by Us Medical, Dental & Vision Insurance  Health Savings Account (HSA)  Free Telemedicine access via Teladoc   Financial Wellness & Wealth Building 401(k) with 6% Employer Match —  No Vesting Period. Employee Stock Options  Exclusive Employee Banking Perks  0% Financing for Employee Solar Loans  Employee Only Mortgage Product  with exclusive interest rates and terms. 0% Financing for Eligible Electric Vehicles (EVs)  Referral Incentives  Generous Paid Time Off 2–4 Weeks of Vacation  based on officer level plus additional tenure-based time. 64 Hours of Paid Sick Time  for all full-time employees. Protection & Peace of Mind Company-Paid Life Insurance  Short- & Long-Term Disability Insurance Voluntary Life, Accident & Critical Illness Coverage   Employee Assistance Program (EAP)  with free counseling, legal, and financial services. Now Hiring: Credit Analyst We’re looking for a Credit Analyst who will analyze personal and business financials, create comprehensive loan approval packages, make recommendations to senior management and credit committees, monitor loan portfolio performance, and support reporting that helps guide sound lending decisions. What You’ll Contribute: Analyze Financials and Credit Requests Analyze personal and business financials for potential and existing loan customers. Evaluate financial documents, reports, causalities, and scenarios with strong logic, context, and attention to detail. Apply sound mathematical, analytical, and big-picture thinking to support lending recommendations. Prepare Loan Approval Packages Create comprehensive loan approval packages that clearly summarize credit analysis and recommendations. Identify policy exceptions and ensure documentation is accurate, complete, and organized. Present recommendations to senior management and credit committees with clarity and professionalism. Monitor Portfolio Performance and Support Due Diligence Perform required monitoring of existing loan portfolio performance. Assist in the due diligence process for audits and exams. Handle customer, employee, and management interactions effectively and tactfully. Maintain Reporting Tools and Loan Databases Maintain various loan-related databases with accuracy and consistency. Use Microsoft Excel and Power BI to create, update, and analyze loan reports. Complete assignments with limited oversight while exercising sound judgment on when to ask questions or escalate. Champion Our Mission, Protect What Matters Adopt a commitment to environmental, social, economic, and racial justice. Stay informed of applicable regulatory requirements and complete all mandatory compliance and IT training. Pursue and demonstrate an understanding of established Bank policies, procedures, and regulations. Question suspicious activity and collaborate closely with the respective department(s) to help prevent fraudulent activity. What makes a stand-out candidate: Experience & Education Bachelor’s degree required, preferably in Finance. Prior banking experience preferred. Experience analyzing financial documents and reports. Ability to communicate clearly in writing with the ability to interact effectively across customers, employees, and management. Experience Microsoft Excel skills required; Microsoft Power BI skills preferred. Entrepreneurial Self-Starter - You take ownership of your work product and pride yourself on delivering accurate, timely, and well-supported analysis. You are detail-oriented, resourceful, creative, and organized, with the judgment to work independently while knowing when to ask ques