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Credit Analyst
Signature Bank
IT
Toledo, OH, USA
Posted on Feb 25, 2026
Credit Analyst
Summary/Objective
Prepare required review of financial data and prepare clear, detailed and objective reports in keeping with the responsibilities listed below.
Essential Duties & Responsibilities
The following duties are normal for this position. These are not to be construed as exclusive or all-inclusive. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
1. Spread financial statements into our financial analyst software.
2. Analyze credit requests and assign appropriate risk ratings in accordance with loan policy.
3. Perform annual loan reviews on all commercial credits in accordance with loan policy.
4. Perform asset quality reviews as assigned.
5. Maintain logs on interim financial statement tracking, borrowing base reports and loan covenant requirements.
6. Perform reviews on other financial institutions approved for Fed Funds sold.
7. Perform review on key suppliers.
8. Order and review credit reports.
9. Determine relationship exposure for approval levels as part of credit request process.
10. Perform industry reviews including commercial real estate, manufacturing, automotive and healthcare.
11. Perform analysis and prepare consumer credit reviews.
12. Assist in the maintenance of credit file.
Competencies
1. Gold Standard / Client Relations
2. Accountability / Dependability / Reliability
3. Integrity / Ethical Conduct
4. Teamwork / Interpersonal Skills / Active Listening
5. Job Knowledge / Job Responsibilities
6. Analytical skills, specifically in cash flow, balance sheet and ratio analysis
7. Accuracy / Thoroughness / Attention to Detail
8. Technical Aptitude
9. Professional Verbal & Written Communication
10. Organizational Skills / Time Management
11. Responsive and flexible to other duties as assigned on an intermittent or regular basis as needed.
Supervisory Responsibility
This position has no direct supervisory responsibilities.
Work Environment
This job operates in a clerical, office setting. This position uses standard office equipment such as computers, phones, photocopiers, scanners, fax machines and filing cabinets on a daily basis.
Physical Demands
Most of this position’s responsibilities and duties are performed sitting or standing at a workstation. Some filing and storage duties are required by this position. The ability to lift files, open filing cabinets, bend or stand on a stool, as well as loading and carrying boxes is a necessary ability. This position may be required to lift up to 50 pounds. The physical demands described here are representative of those that must be met to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.
Position Type/Expected Hours of Work
This position is classified as non-exempt by the Fair Labor Standards Act (FLSA). Typical hours will be Monday – Friday 8:00 am – 5:00 pm. Additional hours may be required.
Required Education & Experience
1. Four-year degree in Business; minimum GPA 3.5
2. Proficient with Microsoft Word and Excel computer programs
Preferred Education & Experience
1. Four-year degree with a major in Accounting, Finance or Economics.
Additional Eligibility Qualifications
Pre-employment screening required including employment reference, criminal background check, credit check and possibly skills testing. This position is regularly exposed to sensitive information, trade secrets or proprietary information and the incumbent is required to keep any such information strictly confidential.
Bank Expectations of Employees
1. Adheres to Bank’s policies and procedures, including knowledge and comprehension of Bank Secrecy Act.
2. Acts as a role model both within and outside the Bank.
3. Exhibits a professional manner in dealing with others and works to maintain constructive working relationships.
4. Maintains a positive and respectful approach both verbally and in writing with superiors, colleagues, and individuals inside and outside of the Bank.
5. Performs duties as workload necessitates in a timely, accurate and thorough manner and is conscientious about assignments meeting department productivity standards.
6. Communicates regularly with supervisor about department issues.
7. Demonstrates flexible and efficient time management and ability to prioritize workload.
8. Consistently reports to work on time and prepared to perform duties of position.
9. Exhibits professional appearance in accordance with Signature Bank’s dress code standards.
The above job description is not designed to contain a comprehensive listing of activities, duties or responsibilities that are required to successfully perform this position. Other duties, responsibilities and activities may change or be assigned at any time with or without notice.
Signature Bank, N.A. is an Equal Employment Opportunity, Affirmative Action Employer. We consider applicants for all positions without regard to race, color, sex, sexual orientation, gender identity or expression, pregnancy, age, national origin, ancestry, religion, genetic information, physical or mental disability (where otherwise qualified), and military or veteran status, or other status protected by applicable law.
Revision History
| Date | Manager Approval | HR Verification |
| 2/24/2026 | K. Shaffer, VP, Credit Administration | LSM |