Banking: Commercial Loan Senior Credit Analyst

About the role

Mid Penn Bank is actively seeking a Senior Credit Analyst to join our team in PA. The Senior Credit Analyst is responsible for analyzing credit data and financial statements of individuals or businesses to determine the degree of risk involved in extending credit, preparing reports for credit decisions, and accompanying Commercial Loan Officers on customer calls. The role works independently on complex credits and provides leadership to less‑experienced analysts.

Responsibilities

• Analyze credit data for the most complex credits with minimal supervision.
• Review and evaluate short‑ and long‑term repayment prospects of individuals or companies.
• Prepare financial statement spreads and written analyses summarizing borrower performance, credit strengths and weaknesses, sources of repayment, potential risks, and overall creditworthiness.
• Apply credit policy to loan requests and identify policy exceptions requiring additional approvals.
• Research industry issues and economic trends to assess impact on borrower performance.
• Provide recommendations for policy and procedure development or maintenance.
• Contribute to active portfolio management and make recommendations based on new financial information.
• Accompany Commercial Loan Officers on customer calls to collect information and ask pertinent questions.
• Maintain ongoing education on economic conditions, credit analysis techniques, risk management, and industry trends.
• Achieve goals assigned as part of the department’s annual operating plan and help establish department goals and strategies.
• Collaborate with Loan Officers and management on complex transactions and interact with customers and their financial officers.
• Contact accountants, attorneys, and borrowers to obtain additional information.
• Prepare financial documents and reports accurately and timely, completing a minimum average of eight write‑ups per month.
• Complete extensions prior to month end and actively manage assigned term loan reviews.
• Identify and correct issues related to lending functions, including customer service, internal operations, and credit control procedures.
• Partner with department management to train and develop less‑experienced Credit Analysts, providing mentorship, reviewing work for accuracy, and coaching on best practices.
• Respond to inquiries within established time frames and policies.
• Ensure all credit analysis activities comply with departmental procedures and applicable laws or regulations.
• Estimate risk and determine risk ratings based on financial evaluations.
• Play an active role in fraud prevention and risk awareness.
• Prepare or oversee key department reports such as Portfolio Management Reporting, Monthly Stock Collateral Valuation, Borrowing Base tracking, Quarterly Board Reports, etc.
• Maintain appropriate records and provide pertinent information to supervisors as requested.
• Prepare minutes for company meetings.
• Maintain regular and predictable attendance.

Qualifications

• B.S. or B.A. degree, preferably in a related field; specialized financial analysis training preferred.
• Two to three years of related experience.

Skills

• Strong reading, writing, and grammar abilities.
• Excellent interpersonal, communication, and presentation skills.
• Proficiency with mathematical concepts such as ratio and trend analysis and ability to interpret trends.
• Ability to read, analyze, and interpret industry information, customer financial statements, and tax returns.
• Problem‑solving skills: define problems, collect data, establish facts, and draw valid conclusions.
• Proficient in Microsoft Excel and Microsoft Word.

Benefits

Mid Penn Bank offers a comprehensive range of flexible benefits to support personal and financial well‑being.