Senior Commercial Credit Analyst

Responsibilities

• Independently analyze and underwrite the Bank's most complex commercial credit relationships, including multi-entity borrowers, multiple guarantors, layered debt structures, and non-standard repayment sources.
• Prepare high-quality, final or near-final credit memoranda for new credit requests, renewals, modifications, and annual reviews.
• Perform advanced financial analysis, including global cash flow, stress analysis, sensitivity analysis, and forward-looking risk assessment.
• Identify elevated risks, structural weaknesses, and emerging concerns, clearly articulating conclusions and recommended mitigants.
• Evaluate appropriateness of credit structure, covenants, collateral, and guarantor support.
• Serve as a senior analytical resource to Credit Officers and relationship managers on complex or higher-risk transactions.
• Provide effective and constructive challenge to assumptions, structures, and risk assessments presented in credit requests.
• Influence credit decisions through depth of analysis, sound judgment, and professional credibility.
• Participate in complex deal discussions, internal credit reviews, and portfolio-level risk conversations.
• Monitor assigned portfolio segments for performance trends, concentrations, and emerging risk.
• Assist with risk rating assignments and ongoing assessment of rating accuracy.
• Identify early warning signals of deterioration and escalate concerns appropriately.
• Support portfolio analytics, trend reviews, and targeted risk assessments.
• Accompany relationship managers on customer calls, as appropriate, to support financial discussions, clarify credit considerations, assess borrower operations and management, and enhance overall credit understanding.
• Provide senior-level analytical support for criticized and classified commercial credits.
• Assist with analysis related to renewals, restructures, modifications, workouts, and exit strategies.
• Support monitoring and action plans for higher-risk or deteriorating relationships.
• Contribute to enhancements in credit processes, analytical tools, and underwriting consistency.
• Support implementation or refinement of credit systems, reporting, or workflows.
• Undertake special projects related to the job function, as determined by credit management.
• Maintain current knowledge of commercial credit practices, borrower industries, and financial analysis techniques.

Qualifications

• Advanced degree in finance, economics, accounting, or a related field.
• Minimum of 5 years of relevant experience in commercial credit analysis and risk assessment.
• Experience with complex financial modeling and analysis.
• Strong analytical skills and ability to identify and articulate key risks and mitigation strategies.
• Excellent communication and interpersonal skills, with the ability to influence and collaborate effectively with cross-functional teams.
• Proficiency in Microsoft Office Suite, particularly Excel and PowerPoint.
• Knowledge of commercial lending practices and regulations.
• Ability to work independently and as part of a team.