Commercial C&I Credit Officer
The National Bank of Indianapolis, Indianapolis, Indiana, us, 46262
Overview
Turn complex financials into confident credit decisions.
Are you driven by deep financial analysis, sound judgment, and the opportunity to influence meaningful lending decisions? We’re seeking a
Commercial C&I Credit Officer
who thrives on dissecting complex financial data, evaluating risk, and telling the financial story behind a borrower. This role is critical to supporting commercial lending decisions while upholding the Bank’s Culture of Excellence and regulatory standards. If you enjoy working closely with lenders, applying rigorous analysis, and producing high-quality credit narratives that stand up to scrutiny, this is a role where your expertise will truly matter.
How You’ll Contribute Analyze & Interpret Financial Risk
Analyze the financial condition and cash flow of existing and prospective commercial borrowers
Identify trends in financial ratios and changes in balance sheets and income statements
Perform guarantor and collateral analysis to support sound credit decisions
Analyze borrowing base certificates and underlying collateral to confirm compliance
Build Clear, Compelling Credit Narratives
Convert borrower financial statements into common-size spreadsheets using financial spreading software
Prepare comprehensive credit approval packages outlining loan requests, borrower condition, risks, and mitigants
Present relevant financial data with clear, well-supported narrative conclusions
Partner with Lenders
Communicate with lenders and borrowers to obtain required financial and operational information
Assist lenders in structuring and underwriting commercial loans
Support covenant development, testing, and ongoing compliance monitoring
Ensure Policy & Regulatory Alignment
Ensure adherence to Bank loan policies and document exceptions when necessary
Maintain expertise in evolving underwriting standards and regulatory guidelines
Perform quality control reviews of imaged loan and credit documents
What You’ll Bring Education & Experience
College degree in accounting, finance, economics, or business
Minimum of 6 credit hours of college-level accounting coursework, including intermediate financial accounting
2+ years of credit analysis experience at a bank with assets of $1 billion or more
Technical & Analytical Strengths
Exceptional ability to analyze and interpret financial statements and cash flow
Proven experience creating, interpreting, and testing loan covenants
Strong understanding of borrowing base lending and collateral analysis
High level of accuracy and attention to detail
Professional Skills
Ability to synthesize complex financial data into clear, actionable credit narratives
Strong verbal and written communication skills, including translating financial concepts for non-financial audiences
Critical thinking skills with the ability to make sound assumptions and solve problems
Proficiency in Word, Excel, and Adobe Acrobat
Strong initiative and ability to manage multiple lender requests, prioritize effectively, and meet deadlines
Proven ability to collaborate effectively with lenders and colleagues with diverse work styles
Why This Role Stands Out As a Commercial C&I Credit Officer, you’ll be a trusted partner to lending teams and a key contributor to the Bank’s credit quality and growth. You’ll work with sophisticated borrowers, sharpen your analytical skills, and see the direct impact of your work on loan decisions and portfolio performance.
Bring your analytical mindset where it counts.
Apply today and play a pivotal role in shaping smart, well-supported commercial lending decisions.
The National Bank of Indianapolis is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment regardless of, and will not be discriminated against on the basis of race, color, sex (including pregnancy), sexual orientation, gender identity, religion, national origin, age, veteran status, disability, genetic information, or other bases as protected by local, state, or federal law.
The National Bank of Indianapolis participates in E-Verify, a federal program that verifies the employment eligibility of newly hired employees. Employment is contingent upon verification of identity and authorization to work in the United States in accordance with federal law.
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Are you driven by deep financial analysis, sound judgment, and the opportunity to influence meaningful lending decisions? We’re seeking a
Commercial C&I Credit Officer
who thrives on dissecting complex financial data, evaluating risk, and telling the financial story behind a borrower. This role is critical to supporting commercial lending decisions while upholding the Bank’s Culture of Excellence and regulatory standards. If you enjoy working closely with lenders, applying rigorous analysis, and producing high-quality credit narratives that stand up to scrutiny, this is a role where your expertise will truly matter.
How You’ll Contribute Analyze & Interpret Financial Risk
Analyze the financial condition and cash flow of existing and prospective commercial borrowers
Identify trends in financial ratios and changes in balance sheets and income statements
Perform guarantor and collateral analysis to support sound credit decisions
Analyze borrowing base certificates and underlying collateral to confirm compliance
Build Clear, Compelling Credit Narratives
Convert borrower financial statements into common-size spreadsheets using financial spreading software
Prepare comprehensive credit approval packages outlining loan requests, borrower condition, risks, and mitigants
Present relevant financial data with clear, well-supported narrative conclusions
Partner with Lenders
Communicate with lenders and borrowers to obtain required financial and operational information
Assist lenders in structuring and underwriting commercial loans
Support covenant development, testing, and ongoing compliance monitoring
Ensure Policy & Regulatory Alignment
Ensure adherence to Bank loan policies and document exceptions when necessary
Maintain expertise in evolving underwriting standards and regulatory guidelines
Perform quality control reviews of imaged loan and credit documents
What You’ll Bring Education & Experience
College degree in accounting, finance, economics, or business
Minimum of 6 credit hours of college-level accounting coursework, including intermediate financial accounting
2+ years of credit analysis experience at a bank with assets of $1 billion or more
Technical & Analytical Strengths
Exceptional ability to analyze and interpret financial statements and cash flow
Proven experience creating, interpreting, and testing loan covenants
Strong understanding of borrowing base lending and collateral analysis
High level of accuracy and attention to detail
Professional Skills
Ability to synthesize complex financial data into clear, actionable credit narratives
Strong verbal and written communication skills, including translating financial concepts for non-financial audiences
Critical thinking skills with the ability to make sound assumptions and solve problems
Proficiency in Word, Excel, and Adobe Acrobat
Strong initiative and ability to manage multiple lender requests, prioritize effectively, and meet deadlines
Proven ability to collaborate effectively with lenders and colleagues with diverse work styles
Why This Role Stands Out As a Commercial C&I Credit Officer, you’ll be a trusted partner to lending teams and a key contributor to the Bank’s credit quality and growth. You’ll work with sophisticated borrowers, sharpen your analytical skills, and see the direct impact of your work on loan decisions and portfolio performance.
Bring your analytical mindset where it counts.
Apply today and play a pivotal role in shaping smart, well-supported commercial lending decisions.
The National Bank of Indianapolis is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment regardless of, and will not be discriminated against on the basis of race, color, sex (including pregnancy), sexual orientation, gender identity, religion, national origin, age, veteran status, disability, genetic information, or other bases as protected by local, state, or federal law.
The National Bank of Indianapolis participates in E-Verify, a federal program that verifies the employment eligibility of newly hired employees. Employment is contingent upon verification of identity and authorization to work in the United States in accordance with federal law.
#J-18808-Ljbffr