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Credit Analyst 1 

About the Organization Superior National Bank approaches every day with the philosophy that we 'Grow Your Future.' Our employees are instrumental in helping us achieve that goal. As an organization, we value the efforts of our employees as they strengthen our pillars of trust through the great work that they do. Each member of our team plays an integral role in supporting the overall success of the organization. We try to create a work environment that supports employee development and engagement by staffing our locations with honest, hard-working people who truly care about one another, their customers, and our community.

If this describes a culture that appeals to you, we invite you to apply to join our team. Thank you for your interest in becoming a team member of Superior National Bank!  
Tags Credit Analyst, Credit, Banking  
EOE Statement Superior National Bank is an equal opportunity employer that does not discriminate on the basis of race, religion, national origin, ancestry, age, color, sex, gender, gender identity, gender expression, physical or mental disability, medical condition, pregnancy, military or veteran status, marital status, sexual orientation, genetic information or other characteristic protected by applicable law. If you have a disability that impairs your ability to be considered, interviewed or tested for a position, please let us know what accommodations you may require.  
Open Date 2/1/2024  
Location Hancock  


Credit Department

Reports To:

AVP/Credit Manager



Last Updated:



Analyze credit data and financial statements to evaluate the financial condition and degree of risk involved in extending credit or lending money to individuals and businesses. Prepare reports with credit information for use in decision making.

Major duties & responsibilities:

  • Obtain information and analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
  • Analyze and report on loan data provided by credit bureaus, financial records, and other financial institutions in regard to new, renewing, and existing borrowers/loans
  • Generate financial ratios to evaluate customers’ financial status
  • Consult with customers to resolve complaints and verify financial and credit transactions
  • Review and prepare written analyses, spreadsheets, reports, summaries, and opinions and prepare or assist in the preparation of loan memorandum for presentation to lenders and/or loan committees
  • Maintain the commercial financial information loan files
  • Perform commercial loan collateral/floor plan audits
  • Perform internal small business loan audits of documentation and officer risk ratings
  • Monitor loan covenants
  • Monitor borrowing base and stock secured margins on selected commercial loans
  • Understand and follow bank/department regulations, policies, and procedures, and participate in all compliance-related training
  • Perform other duties as assigned and/or necessary

Education & Experience:


  • Bachelor’s degree in business, accounting, finance, or related field; or equivalent combination of education and experience
  • Some Commercial banking experience preferred


  • Motivated self-starter with strong organizational and project management skills and the ability to work independently and set priorities
  • Strong verbal and written communication skills
  • Strong attention to detail
  • Strong analytical and problem-solving skills
  • Proficient in the use of Microsoft Word and Excel
Full-Time/Part-Time Full-Time  
Number of Openings 1  
Shift Days  
Exempt/Non-Exempt Exempt  
Req Number CRE-24-00001  
Category Credit and Collection  
Hours per week 40  

This position is currently accepting applications.

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