This role has the opportunity to work hybrid. During the interview process, our Talent Acquisition Team will share additional details with you. The primary purpose of this position is to analyze financial information and assess the risk of offering credit to businesses and individuals. Responsibilities: * Prepare written credit-approval packages to present for approval for CRE,C&I, SBA, and other specialty lending requests. * Prepare financial spreads to analyze financial data such as income growth and quality of management while simultaneously generating financial ratios to evaluate a customer's financial capacity * Support the Lending Team by analyzing personal financial statements, preparing cash flow analysis, and researching market information * Complete full credit reviews on the Bank's larger loans on an annual basis * Perform other job related duties as assigned Qualifications: Education and Minimum Experience * Bachelor's degree in business related major with at least two accounting courses * 0 to 1+ year banking credit analyst experience a plus * Commercial real estate cash flow analysis experience, preferred Knowledge/ Skills/ Abilities * Strong analytical ability * Proficiency in Microsoft Word and Excel is required * Possesses the ability to communicate at a high level both verbally and in writing * Motivated self-starter and an active learner * Careful attention to detail and time management skills are essential * Demonstrate a high level of knowledge of Bank Secrecy Act and OFAC related responsibilities in the performance of daily operations to ensure adherence to bank policies and compliance with all regulatory requirements. * Basic understanding of accounting and corporate finance Job Details: Regular To all recruitment agencies: Independent Financial does not accept agency resumes without formal engagement of the agency. Please do not forward resumes to Independent Financial employees or any other organization location. Independent Financial is not responsible for any fees related to unsolicited resumes.