Join Our Team as a Credit Analyst | Chesapeake Bank

The Opportunity

We’re seeking a detail-driven, analytical, and forward-thinking Credit Analyst to join our dynamic Credit team. In this role, you’ll play a critical part in evaluating creditworthiness, mitigating risk, and supporting strategic lending decisions that fuel growth—for our clients and our institution.

About Us

At Chesapeake Bank, we’re more than just a bank—we’re a trusted partner in our clients’ financial journeys. With a legacy of excellence and innovation, we empower individuals, businesses, and communities to thrive. Our culture is built on integrity, collaboration, and a relentless pursuit of excellence.

Why Join Us?

Are you ready to build a successful career with a financial institution that excels in the industry and values fun? Our team is known for high levels of employee engagement, consistently ranking in the top 200 banks in yearly external engagement surveys. We offer competitive benefit plans and high levels of job satisfaction. Plus, we believe in giving back to our communities through service hours and financial contributions.

• Impactful Work: Your insights will directly influence lending decisions and business growth.
• Career Growth: We invest in your development with training, mentorship, and advancement opportunities.
• Collaborative Culture: Work with a team that values your voice and celebrates your success.
• Competitive Compensation: Attractive salary and comprehensive benefits.

Ready to Make a Difference? If you're ready to take your career to new heights and be a key player in our success, apply now and join us in making a difference. Want to read more about why you should join the team?  Click the link below: 

Top 10 Reason You Should Explore a Career with Chesapeake Bank

Summary:

Responsible for completing credit analysis and underwriting of new loan requests upon receipt of application package from Loan Officer / Commercial Loan Administrator. Analysts ensure conformity and consistency of loan applications and relationships to the Bank’s policies and compliance with applicable regulations. Analysts partner with Portfolio Coordinators during the life of the loan to evaluate renewals and modifications or changes in the loan’s risk rating.

ROLE AND RESPONSIBILITIES:

• Receive loan application package receipt from Loan Officer / Commercial Loan Administrator, complete credit analysis and underwriting process, and prepare credit memo package (CAM) in conformity with Bank Policy.
• Analyze and complete spreads of applicant and associated financial information, create global cash flows, and establish loan/customer risk rating.
• Coordinate with Portfolio Coordinators on the required analysis for renewals and modifications to support timely processing and portfolio management.
• Complete review of guarantors and loan specific collateral.
• Submit CAM for approval through established workflow and monitor status in consultation with the Commercial Loan Administrator and Commercial Loan Coordinator.
• Partner with Portfolio Management and perform analytical tasks as needed including annual financial reviews, updated risk factor assessments, covenant analysis, criticized asset analysis, cash flow change reviews, etc.

OTHER:

• Willingly performs other duties and projects as assigned.
• Answers telephone and assist loan officers with routine inquiries regarding payoffs and other loan details.

BACKUP RESPONSIBILITIES:

• Understand your role as defined by the three lines of defense to maintain a compliance culture that includes risk management processes
• Other duties as assigned

• Bank Credit experience required
• Excellent financial analytical skills with sound judgment.
• Excellent communication skills (both verbal and written).
• Strong customer-service skills.
• Ability to organize and prioritize to meet deadlines.
• Bachelor’s degree in business administration/accounting/finance, preferred.
• Excellent knowledge of personal/business financial statements and tax returns, preferred.
• Working knowledge of Microsoft office applications.
• Understand your role as defined by the three lines of defense to maintain a compliance culture that includes risk management processes.