Ethan Harbridge

Credit Analyst @National Exchange Bank & Trust

Fond du Lac, WI, US

Support the commercial lending team by evaluating the creditworthiness of business borrowers across diverse industries. My responsibilities include: • Preparing and analyzing credit memos for loan renewals, new requests, and portfolio reviews • Conducting financial statement spreads, calculating key ratios, and assessing repayment risk • Utilizing platforms like Abrigo, IBS, and Image Center to review documentation and assign appropriate risk ratings • Collaborating with loan officers, relationship managers, and underwriters to ensure accurate and timely credit decisions • Reviewing borrower structures, calculating exposure, and documenting compliance with loan policyThis role builds on my foundation in finance and accounting, allowing me to apply analytical insight while contributing to relationship-driven community banking