Credit Analyst - Senior

About the role

The Senior Credit Analyst position at Bank of Marin supports loan management, credit approval, and loan documentation. This role works in a team-oriented environment and provides support to senior lenders and loan officers.

Responsibilities

• Maintain high customer service standards by supporting loan management, credit approval, and loan documentation.
• Underwrite, recommend for approval, and document moderately complex commercial and commercial real estate transactions under guidance from senior lenders.
• Identify and assess the strength of primary and secondary sources of repayment for simple commercial and commercial real estate credits.
• Accurately identify and assess key credit risks and factors that mitigate these risks to recommend approval of loan commitments for simple commercial and commercial real estate credits.
• Recommend and support credit structures that monitor and mitigate key credit risk factors for simple commercial and commercial real estate credits.
• Underwrite and recommend simple personal and business credits for approval/decline using published underwriting guidelines.
• Articulate credit recommendations by accurately completing the bank-standard Credit Recommendation Form.
• Order appraisals and valuations as appropriate and support loan officers with partial preparation of moderately complex Credit Recommendation and special Action Credit Report forms.
• Prepare for customer and prospect calls and accompany loan officers on these calls to gather information pertinent to the credit decision.
• Prepare escrow instructions and independently and accurately order title research documents, preliminary title reports, and other credit background information.
• Utilize loan accounting system to research loan activity and maintain a tickler database.
• Support loan officers by offering interpretation and analysis of financial reporting documents, including evaluation of cash flow, balance sheet metrics, and repayment sources.
• Independently and accurately order documentation for approved credit actions and prepare for customer and prospect calls.

Requirements

• 3 - 5 years related experience and/or training.
• Bachelor's degree (B.A.) from four-year college or university; three to five years related experience and/or training; or equivalent combination of education and experience.

Qualifications

• Strong analytical skills and ability to translate basic financial reporting into bank-standard format for further analysis.
• Experience in credit analysis, loan underwriting, and credit risk assessment.
• Proficiency in using loan accounting systems and credit reporting tools.
• Excellent communication and interpersonal skills to interact with customers, loan officers, and other stakeholders.

Skills

• Strong analytical and problem-solving skills.
• Ability to work independently and manage multiple tasks simultaneously.
• Knowledge of banking regulations and lending practices.
• Proficiency in Microsoft Office Suite, particularly Excel and Word.

Benefits

The Bank of Marin offers a competitive compensation package, including a range of incentives, and a comprehensive benefits package that includes:

• Comprehensive health care coverage
• Retirement savings plan with employer matching opportunity
• Employee Stock Ownership Plan (ESOP)
• Tuition reimbursement
• Employee volunteer program

Additional details about total compensation and benefits will be provided during the hiring process.

The Bank of Marin is an equal opportunity employer. EOE AA M/F/Vet/Disability