Commercial Credit Analyst 41

Climate First Bank is seeking a Commercial Credit Analyst in South Carolina to analyze financials, create loan approval packages, and monitor loan performance. The bank focuses on sustainable and ethical banking, offering a comprehensive benefits package, including health coverage and retirement plans. Candidates should be passionate about sustainability and thrive in a fast-paced environment. This position is not remote, as it is based in South Carolina.
We are changing FINANCE to finance CHANGE!

At Climate First Bank, we're redefining what banking can be. As a Florida Benefit Corporation and FDIC-insured commercial bank, we offer a full suite of personal and business services-including solar, residential, commercial, ESOP Banking, Structured Finance and SBA loans-all designed to power a better future. We're proud to be a Certified B Corporation, a member of 1% for the Planet, and part of the Global Alliance for Banking on Values (GABV), reflecting our deep commitment to sustainability, transparency, and ethical banking.

With branches in St. Petersburg, Winter Park, Mount Dora, and a growing digital presence, we're proving that banking can be a force for good. We don't just support environmental and social causes-we're built on them.

Under our Holding Company, Climate First Bancorp, we are also powered by OneEthos. OneEthos operates at the intersection of fintech and traditional banking to expand access to inclusive, values-driven financial services. Regulated by the Federal Reserve Bank, it equips Community Banks, Credit Unions, CDFIs, and Green Banks with ethical lending tools-especially in climate finance and solar lending.
Join the Movement

We're seeking driven, mission-aligned individuals ready to make an impact. If you're passionate about sustainability, thrive in a fast-paced, results driven environment, and want to be part of something bigger, you will feel right at home.

Our team is one of goal-setters, go-getters, problem solvers, thought leaders, and changemakers. We celebrate wins, tackle challenges head-on, and push boundaries. Fueled by purpose, we thrive where perseverance and passion turn ambitious goals into reality.
Thrive at Climate First Bank

At Climate First Bank, we're investing in your future. We offer a comprehensive, people-first benefits package that supports your health, finances, and work-life balance.

Compensation- In addition to the base salary, this position may be eligible for an annual bonus, incentives and equity. Actual compensation is based on industry salary ranges, internal salary structures, experience, skills and other job-related factors.

Health Coverage - 100% employer-paid for employees; employer contribution for dependents by Us
Medical, Dental & Vision Insurance Health Savings Account (HSA) Free Telemedicine access via Teladoc Financial Wellness & Wealth Building401(k) with 6% Employer Match - No Vesting Period. Employee Stock Options Exclusive Employee Banking Perks 0% Financing for Employee Solar Loans Employee Only Mortgage Product with exclusive interest rates and terms. 0% Financing for Eligible Electric Vehicles (EVs) Referral Incentives Generous Paid Time Off2-4 Weeks of Vacation based on officer level plus additional tenure-based time. 64 Hours of Paid Sick Time for all full-time employees. Protection & Peace of MindCompany-Paid Life Insurance Short- & Long-Term Disability InsuranceVoluntary Life, Accident & Critical Illness CoverageEmployee Assistance Program (EAP) with free counseling, legal, and financial services. Now Hiring: Credit Analyst

We're looking for a Credit Analyst who will analyze personal and business financials, create comprehensive loan approval packages, make recommendations to senior management and credit committees, monitor loan portfolio performance, and support reporting that helps guide sound lending decisions.

What You'll Contribute:Analyze Financials and Credit RequestsAnalyze personal and business financials for potential and existing loan customers. Evaluate financial documents, reports, causalities, and scenarios with strong logic, context, and attention to detail. Apply sound mathematical, analytical, and big-picture thinking to support lending recommendations. Prepare Loan Approval PackagesCreate comprehensive loan approval packages that clearly summarize credit analysis and recommendations. Identify policy exceptions and ensure documentation is accurate, complete, and organized. Present recommendations to senior management and credit committees with clarity and professionalism. Monitor Portfolio Performance and Support Due DiligencePerform required monitoring of existing loan portfolio performance. Assist in the due diligence process for audits and exams. Handle customer, employee, and management interactions effectively and tactfully. Maintain Reporting Tools and Loan DatabasesMaintain various loan-related databases with accuracy and consistency. Use Microsoft Excel and Power BI to create, update, and analyze loan reports. Complete assignments with limited oversight while exercising sound judgment on when to ask questions or escalate. Champion Our Mission, Protect What MattersAdopt a commitment to environmental, social, economic, and racial justice. Stay .