Credit Utility Analyst Senior

About the role

The organization operates within the banking industry, focusing on commercial credit and risk management. It addresses challenges related to credit decision‑making and risk evaluation by analyzing financial statements and monitoring credit portfolios. The company maintains a structured approach to risk management and supports a large portfolio of small commercial credit accounts.

The Credit Utility Analyst Senior plays a key role in supporting the organization’s credit risk management by independently analyzing complex commercial financial statements and assisting with portfolio monitoring. This position ensures accurate financial reporting to guide credit decisions and risk evaluation, contributing directly to maintaining the integrity and effectiveness of the credit process.

Responsibilities

• Independently spread commercial customer and prospect financial statements of medium to high complexity according to established guidelines.
• Communicate with portfolio and relationship managers regarding accounting, credit underwriting principles, and financial covenants.
• Serve as a subject matter expert on industry‑specific financial reporting nuances and their impact on risk ratings.
• Assist in monitoring and assessing risk within the loan portfolio by executing reviews and renewals per department procedures and credit policy.
• Support special projects, perform administrative tasks for portfolio managers, and assist Central Credit Utility leadership as needed.

Requirements

• Bachelor’s degree in accounting, finance, economics, or equivalent experience preferred.
• Minimum of 2 years’ experience in commercial credit or related field.
• Experience spreading various financial statement types including commercial, industrial, personal financial statements, tax returns, and specialty sectors.
• Proficiency with Microsoft Word and Excel.
• Preferred knowledge of internal credit systems and vendor‑supported risk analysis tools.
• Strong attention to detail, independent work capability, deadline management, good interpersonal skills, multitasking, and effective verbal and written communication.

Pay

Total Base Pay Range: $61,200.00 – $125,500.00 USD annually.

Eligibility to participate in an incentive compensation plan based on company, business line, and individual performance. Base salary varies based on role, skills, experience, education, and location.