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Credit Analyst II



Position Type


Job Location

Rockville, MD

Tracking Code


Underwrite new and existing commercial loans through analysis of borrower’s credit history, financial performance, current market trends, collateral, and feasibility. Spreads and analyzes financial statements, real estate spreadsheets, tax returns, A/R & A/P agings and proformas/forecasts for C&I, Commercial Real Estate, and SBA loan requests. Supports Lending Department by providing personal and business credit reports, property values based on third party data and industry analysis as needed.

  • Consistently provide excellent customer services to external and internal customers.
  • Prepares detailed narrative and risk analysis of C&I/CRE/SBA loan requests in timely manner.
  • Spreads and analyzes financial statements/tax returns, real estate spreadsheets, A/R & A/P.
  • Maintains strong working relationships both internally and externally to obtain critical data.
  • Provides personal and business credit reports, property values, and industry analysis.
  • Trains and mentors new and current analysts as needed.
  • Completes due diligence for current and potential bank vendors and investment companies.
  • Completes annual review for loans secured by income producing real estate properties.
  • Regularly participates in bank vendor training and special projects assigned by manager as needed.
  • Attends weekly MLC meetings to provide additional insight as needed to senior management.
  • Identifies risks/mitigants and makes recommendations to senior management regarding additional credit enhancements to mitigate credit risk.
  • Other duties as assigned.

Required Skills

  • General working knowledge of MS Office.
  • Highly motivated, self-driven individual who can think strategically, operate independently and take accountability for the function.
  • Ability to motivate, influence and collaborate with others both internally and externally.
  • Must have the ability to multi-task in a fast paced environment and prioritize your focus on most impactful activities.
  • Strong oral and written communication skills when interacting with internal and external clients.
  • Strong analytical, critical thinking and problem solving skills.
  • The ability to lift up to 10 pounds.
  • Some travel may be required.
  • Demonstrates a commitment to Relationships F•I•R•S•T in all areas of job performance.

Required Experience

  • Bachelor’s degree in Business, Finance or related field or three (3) years of equivalent related commercial credit and financial statement analysis experience and/or formal credit training required.
  • Training in financial spreading software.
  • Successful completion and graduation from the Commercial Banking Associate program at EagleBank can be substituted for 3 years of experience.


We are an equal opportunity employer.  Employment selection and related decisions are made without regard to sex, race, age, disability, religion, national origin, color or any other protected class.