Junior Credit Analyst

CFG Bank, based in Baltimore, Maryland, is a leading financial institution serving the national healthcare and multifamily markets and the Mid-Atlantic region. As the 6th largest bank in Baltimore by deposits and the largest locally based, we've grown from $1 billion to over $5.5+ billion in assets by 2025. With over 30 years of expertise, we rank among the top five healthcare bridge-to-HUD lenders in the country. At CFG Bank, we redefine banking by blending big bank capabilities with personalized boutique service. Recognized as "Best Place to Work" by the Baltimore Business Journal for 2022, 2023, and 2024, our primary goal is making each team member feel choosing CFG Bank was their best career decision. Join us for professional growth and a positive work environment that sets CFG Bank apart. POSITION SUMMARY:

CFG Bank is seeking a Junior Credit Analyst with to join our Commercial Bank Team in Baltimore, MD. At CFG, you will find a culture rooted in quality customer service and employee engagement, where team members are experts in their field and bring an entrepreneurial spirit to solution-based banking. This role involves evaluating and determining the credit risks of commercial clients through comprehensive analysis of financial statements, tax returns, industry and market assessments, sub-market evaluations, collateral valuations, cash flow analysis, and repayment capacity for annual debt service. ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Analyze financial statements, tax returns, and cash flow reports for both businesses and individuals to assess creditworthiness for new borrowing requests.
• Prepare credit approval packages and supporting reports to assist in decisionmaking. Participate in client discussions and calls as needed.
• Conduct annual line renewals and term loan reviews, identifying deteriorating trends and advising loan officers and management on necessary followups to mitigate credit risk.
• Evaluate borrower covenant compliance and reporting requirements on an ongoing basis.
• Establish and maintain credit files, ensuring accuracy and compliance with bank policies.
• Maintain a strong understanding of bank policies, legal and compliance requirements, and marketrelated risks associated with credit approvals.
• Support credit administration functions, undertake special projects, and perform other assigned duties.
• Ensure adherence to the Commercial Credit Policy by verifying compliance and documenting any exceptions.
• Stay up to date on accounting pronouncements and financial analysis trends.
• Adhere to all compliance and operational risk controls in accordance with company policies and regulatory standards.
• Foster an inclusive and supportive environment in alignment with CFG Bank’s commitment to diversity and its core values.
• Uphold internal control standards by addressing audit points and resolving issues raised by internal or external regulators.
• Participate in Loan Analysis Department initiatives and complete additional responsibilities as assigned.QUALIFICATIONS AND REQUIREMENTS:
• Bachelor’s Degree in Accounting, Finance or Business Administration.
• Basic knowledge of economic and accounting principles.
• Strong verbal and written communication skills.
• Ability to work independently and meet time commitments.
• Working knowledge of Word and Excel.

WORK ENVIRONMENT: We offer a hybrid schedule, with 4 days in-office and 1 days remote after the initial 90-day period. COMPENSATION DISCLOSURE:

In accordance with Maryland's Equal Pay for Equal Work Act, we are committed to providing transparent wage information for all posted job opportunities. The wage range for this position is $60,000 to $65,000 annually, plus discretionary performance based bonus. Compensation is determined based on factors such as Experience, Qualifications, and Internal equity. BENEFITS AND ADDITIONAL COMPENSATION:

Additionally, this position includes a comprehensive benefits package and other forms of compensation, including:

• Employerprovided health benefits: medical insurance, dental & vision insurance, disability insurance, life insurance, mental health support services, wellness program & free fitness center onsite (for Baltimorebased employees)
• Paid time off: vacation days, sick leave, volunteer days
• Retirement plan: 401(k) with employer match
• Other compensation elements: Discretionary annual bonus and overtime pay for nonexempt positionsEOE STATEMENT:

CFG Bank is an Equal Opportunity Employer as to all protected groups, including protected veterans and individuals with disabilities. If you require accommodations during the application process, please contact TalentAcquisition@cfg.bank.

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