We know what you're thinking. "What kind of name is IncredibleBank?" Well, we're glad you asked.

With a name like IncredibleBank, we have a lot to live up to. Our name is a promise we make every day to our customers and to our team members (and hey, that could be you!). A promise that we strive to be incredible in everything we do. A promise that will help our customers, fellow team members, and our communities to do the incredible.

At IncredibleBank, we're all about ICE. What's ICE? ICE stands for Incredible Customer ExperienceTM (that's right - an experience so good and so important we trademarked it). ICE illustrates the core values that drive everything we do - how we conduct business, how we treat each other, and how we continuously strive to build on our model of customer-focused banking. Our core values have been in place for more than 50 years and continue to influence every aspect of our operation today.

So - how can you help us live up to our name?

What You'll Do:

• Underwrite commercial loan requests, renewals, and modifications, ranging from moderately complex to highly complex multi-company deals.
• Conduct detailed financial analysis, including cash flow evaluation and risk assessment.
• Prepare comprehensive Credit Memos incorporating the "5 C's of Credit": character, collateral, capacity, capital, and conditions.
• Review and validate supporting documentation such as appraisals, lease agreements, insurance policies, and title reports.
• Assign accurate risk ratings and ensure compliance with Loan Policy and underwriting guidelines.
• Collaborate with Business Banking Officers and participate in client meetings to structure and discuss loan requests.
• Monitor economic trends and industry data to assess potential impacts on borrower creditworthiness.
• Participate in credit and loan committee meetings, contributing insights and updates to Credit Memos.
• Provide mentorship and guidance to junior analysts and contribute to team development.
• Recommend process improvements and support reporting efforts for internal committees and leadership teams.

What It Takes:

• Bachelor's degree (B. A.) from four-year college or university in finance, accounting, economics, or related field.
• 3+ years of commercial credit underwriting experience (5+ years preferred for higher-level consideration).
• Knowledge of Word Processing software; Spreadsheet software and Windows and Microsoft Office software

What You'll Get:

Our promise of ICE extends to our employees as well. Our employees are our greatest asset, and we strive to show our appreciation by offering top-tier benefits and, dare we say, more than competitive compensation that we're willing to discuss up front.

And we are constantly evaluating and improving our benefits. In fact, eligible employees receive over 30 days off per calendar year! That includes 18 days of PTO to begin, PLUS an Anniversary Holiday, Birthday Holiday, Wellness Holiday, and 12 observed Bank Holidays.

Check out our total rewards package at: https://incrediblebank.mybenefitsapp.com/

About the Company:

IncredibleBank first started in 1967 as River Valley Bank with a single location in Rothschild, WI. And we may have strong roots in community banking, but IncredibleBank wasn't awarded as one of America's Most Innovative Banks by the Independent Community Bankers of America for our popcorn Fridays. Though we do love free popcorn...

We strive to stay on the leading edge of banking technology with the goal providing the best, simplest way for our customers across the country to do their banking. But if our customers need us, they can pick up the phone and talk to a real person. And that's what makes us America's first national online community bank. And who doesn't love the idea of a national community?

Today, IncredibleBank is a $2.0 billion-asset institution that has grown to 17 brick-and-mortar locations with customers in all 50 states. But we know that as an employer, it's less about size than it is about culture. That's why we're especially proud to have been certified as a Great Place to Work.

Learn more about our Great Place to Work engagement results here: https://www.greatplacetowork.com/certified-company/7022621