Sr. Credit Analyst

We are changing FINANCE to finance CHANGE!

Climate First Bank is a Florida Benefit Corporation, state chartered, FDIC insured commercial bank. With now three physical branches in St Petersburg, Winter Park and Mount Dora and one digital branch, we are offering a full suite of banking products including personal and business banking and loan products (solar, residential, commercial, SBA and more). We are passionate about the environment, social issues and overall leaving our communities and the world better than we found it.

We want YOU to help us on this mission and are looking for exceptionally hard‑working, passionate and bright new team members.

We are a team of growth focused, goal-oriented and competitive individuals. We collectively work hard to achieve our mission and growth-related milestones and continue to set and exceed new goals almost daily. We love what we do, and we love working with people who are just as excited about our objectives as we are!

Come join our team as a Sr. Credit Analyst to support our Credit Operations team. This remote position will be responsible for supporting lending efforts by underwriting new and renewed loans in accordance with company credit policy and sound credit practices. Works with various loan types to include corporate, commercial, industrial, and commercial real estate transactions. Participates in the underwriting of small business banking transactions with a varying level of complexity.

Completes annual reviews, performs financial statement analysis, and completes debt service calculations as directed.

Join us in this exciting start‑up experience and take your career to a level unattainable in a traditional bank environment. We are primarily looking for candidates in FL, GA, AL, SC and NC but are open to considering other States on a case by case basis. Please send a resume to apply.

• Spread financials for potential and existing loans.
• Analyze existing and potential loans.
• Create comprehensive loan approval packages and identify any policy exceptions.
• Present recommendations to senior management and credit committees.
• Perform required monitoring of existing loan portfolio performance.
• Maintain various loan related databases.
• Utilize Power BI to create loan reports.

• Assist in the due diligence process for audits and exams.
• Manage the loan approval templates.
• Monitor the consumer loan automatic approval application.
• Ad Hoc project requests from management.
• Adopt and practice a commitment to social, economic, environmental, and racial justice.
• Demonstrate an understanding of and follow established Bank policies, procedures, and regulations, cognizant of transactions, inquiries that appear suspicious, obtaining reasonable and verifiable explanations, notifying the Compliance Officer when necessary. completion of all web‑based compliance training. resolution of all issues concerning BSA report reviews of suspicious activity and or cash transactions.

• Bachelor's Degree required, preferably in Finance.
• Spreading software experience preferred.
• Prior banking experience preferred.li>
• Ability to complete assignments with little oversight and supervision.
• Strong accounting and math skills.
• Ability to deal with routine changes often.
• Ability to deal effectively and tactfully with customers, employees, and Bank management.
• Good organizational and communications skills.
• Ability to work in a fast‑paced environment.
• Must have excellent computer skills including extensive use of Windows and Microsoft Office Programs.

• Sustained standing and sitting;
• Frequent use of PC, including typing or sustained attention to monitor;
• Occasional lifting of basic office files or equipment up to 20 lbs.

At Climate First Bank we truly believe that our people are our strength and the diverse talents they bring to our workforce are directly linked to our success. Diversity and inclusion are at the core of our values and mission. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age,…