Credit Analyst United States

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.

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.

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 Building

• 401(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 Off

• 2-4 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 Mind

• Company-Paid Life Insurance
• Short- & Long-Term Disability Insurance
• Voluntary Life, Accident & Critical Illness Coverage
• Employee Assistance Program (EAP) with free counseling, legal, and financial services.

What to Expect as a Credit Analyst:
As a Credit Analyst, you'll be responsible for analyzing personal and business financials, creating comprehensive loan approval packages and making recommendations to senior management and credit committees. This role also monitors the existing loan portfolio performance and creates loan reports.

What You'll Contribute in This Role:

Financial Analysis, Credit Evaluation & Decision Support
* Analyze personal and business financials for potential and existing loan customers.
* Create comprehensive loan approval packages and identify any policy exceptions.
* Present recommendations to senior management and credit committees.

Portfolio Monitoring, Reporting & Data Management
* Perform required monitoring of existing loan portfolio performance.
* Assist in the due diligence process for audits and exams.
* Maintain various loan related databases.
* Utilize Power BI to create loan reports.

Champion Our Mission, Protect What Matters
* Embody a commitment to environmental, social, economic, and racial justice.
* Apply curiosity and interest in our core values and pursue education related to sustainability practices.
* Be willing to pursue and demonstrate an understanding of established Bank policies, procedures, and regulations.
* Recognize the importance of protecting the organization and our customers.
* Question suspicious activity and stay in close collaboration with our Compliance department to ensure proper investigation and processing of potentially fraudulent activity.
* Stay informed on legal context and regulatory requirements and prioritize completing all web-based compliance and IT training.

What You'll Leverage in this Role:

Education and Experience

• Bachelor's degree required, preferably in Finance.
• Prior banking experience

Entrepreneurial Self-Starter Mentality - You take charge of your work product and take pride in delivering consistently great and measurable results. You are an analytical thinker, possess the ability to complete assignments with little oversight and balance self-sufficiency with the understanding when to ask questions. A high-pace and high-expectation environment excites you and you can't wait to push yourself to new professional heights in a company that rewards high performance.
Organization & Efficiency- You manage your time like a pro and stay focused under pressure, You love a good system but also adapt to changing routines. You exhibit exceptional attention to detail while also maintaining the ability to see the big picture. You multitask with ease and continuously seek efficiencies to your process.
Master Communicator - Whether it's in-person, on camera, phone, or chat - you communicate with confidence, precision, and professionalism. You listen deeply and respond thoughtfully and are able to engage efficiently and tactfully with stakeholders at all levels of the organization. Additionally, you are able to tactfully and eloquently defend your recommendations and build strong internal and external relationships that help you excel in your role.
Banking & Fintech Acumen- You are highly educated in financial products and services, applicable regulations and laws related to credit and underwriting. You possess an excellent ability to read, understand and spread financial documents and reports.
Tech-Forward and Analytical Thinking - You learn new tools quickly, are excited by innovation and leverage technology to optimize your work product. You have strong mathematical skills, possess strong proven Microsoft Excel skills, and are familiar or are willing to become familiar with Power BI.
Commitment to Being a Team Player - You lift others up, share ideas, and bring positive energy to everything you do. You know what it takes to operate as a part of a larger team and cherish opportunities to contribute to the big picture. You're dependable, communicate clearly and always happy to lend a hand where needed.

What to expect from your physical environment

• Remote role.
• Sustained standing and sitting.
• Frequent communication (speaking and listening) in person, via email, text, phone or video chat.
• Frequent use of PC, including typing or sustained attention to monitor.
• Occasional lifting of basic office files or equipment up to 20 lbs.