Credit Analyst I (41210)

Commercial Credit Focus | Relationship Banking

Security Financial Bank (SFB) is seeking a Commercial Credit Analyst to support our commercial lending teams. This role is heavily focused on commercial credit analysis, working closely with relationship managers to evaluate business operations, commercial enterprises, and local organizations. The analyst plays a key role in assessing creditworthiness, understanding business financial performance, and supporting sound lending decisions that strengthen both our customers and our communities.

This position is an in-office role based out of the corporate location in Eau Claire, WI. Candidates with experience or education related to finance, accounting, commercial lending, or business financial analysis are encouraged to apply.

Why Join Us:

At SFB, we don’t just talk about relationship banking — we live it. We pride ourselves on delivering exceptional service and building lasting partnerships with our clients and teammates. When you join SFB, you become part of a team that offers:

• • A consistent, daytime schedule
  • A supportive, inclusive culture that recognizes your contributions
  • Paid training and professional development opportunities
  • Tuition support for finance/banking courses and certifications
  • Comprehensive benefit package
  • Paid volunteer time off
  • & more!

Position Summary:

As a Commercial Credit Analyst, your work will be centered on commercial lending and include:

• Spreading and analyzing commercial financial information, including business financial statements, tax returns, personal financial statements, credit bureau information, cash flow projections, and pro-forma financial statements
• Evaluating commercial businesses and organizations to determine overall credit risk and appropriate risk ratings in accordance with bank policy
• Preparing detailed loan presentations that reflect business-specific risks, including industry conditions, market competition, management performance, and financial trends, while assisting in evaluating appropriate credit structures to mitigate risk and protect the bank’s asset quality
• Analyzing collateral structures and valuations related to commercial lending, such as commercial real estate, equipment, inventory, receivables, and other business assets
• Supporting Relationship Managers with annual reviews, technical exception monitoring, and adverse action processes for commercial relationships
• Staying current on industry trends, economic conditions, and SWOT factors that may impact business customers and the bank’s commercial loan portfolio
• Working collaboratively with internal teams to ensure compliant, timely, and well-structured commercial credits

What We’re Looking For:

Education & Experience

• Bachelor’s degree in Finance, Accounting, or a related field preferred

Knowledge, Skills and Abilities

• Strong understanding of business financial statements, cash flow analysis, and business tax returns
• Knowledge of commercial lending structures and common business organizational structures
• Ability to assess debt serviceability and creditworthiness for commercial borrowers with moderate to complex financial structures
• Familiarity with credit investigation tools such as credit bureau reports, UCC filings, tax lien searches, and other due diligence resources is beneficial
• Familiarity with commercial loan types, including operating lines of credit, equipment loans, commercial real estate financing, and business acquisition financing
• Strong analytical and problem-solving skills with attention to detail
• Effective written and verbal communication skills
• Proficiency in Microsoft Word, Excel, and spreadsheet-based financial analysis
• Ability to work independently and collaboratively as part of a team
• Ability to exercise sound judgment and maintain confidentiality
• Experience with SageWorks analysis software and Jack Henry core systems is a plus

Working conditions, including physical requirements:

• This position is an in-office position that is performed largely within the Bank with limited chance of personal injury.
• Frequent mental and visual concentration required in managing deadlines and multiple priorities.
• Work hours are generally daytime hours Monday–Friday.
• Periodic stressful situations may occur due to competing deadlines and customer needs.
• Serves as a representative of the organization at appropriate functions and client visits.

Who We Are:

SFB is an independent community bank with eight branch locations and more than 140 employees. Since opening in 1934 in Durand, WI, we’ve built our reputation on trust, relationships, and community involvement. At SFB, you’ll find a supportive, team-oriented workplace where your contributions matter and your professional growth is encouraged. 

At Security Financial Bank, we value diversity and are proud to be an Equal Opportunity Employer. We consider all qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other protected characteristic.

General Notice:

This position description describes the general nature and level of work performed by the employee assigned to this position and should not be interpreted as all inclusive. It does not state or imply that these are the only duties and responsibilities assigned to the position. The employee may be required to perform other job-related duties. All requirements are subject to change and to possible modification to reasonably accommodate individuals with a disability.

This position description does not constitute an employment agreement between the Bank and employee and is subject to change by the employer as the needs of the Bank and requirements of the position change.