Senior Commercial Credit Analyst

About the role

The ideal candidate will have a strong background in financial analysis, credit risk assessment, and commercial and industrial lending.

Responsibilities

• Analyzes and articulates transaction risk and recommends loans for approval for new and existing commercial customers.
• Analyzes borrower financial statements and tax returns for companies and individuals regarding net worth and cash flow and strengths/risks of loan repayment sources.
• Identifies and summarizes risks related to third party reports and collateral valuations.
• Prepares timely and concise formal, written credit recommendations with limited supervision, ensuring complete and accurate information.
• Analyzes industry trends and ensures compliance with current legal requirements.
• Maintains close, professional communication with all bank departments, including Commercial Banking and Loan Center, and clients to ensure the timeliness of the renewal and new loan funding process.
• Serves as the credit analyst for multiple loan transactions at a given time at varying stages of the loan origination process.
• Supports Community Reinvestment Act (CRA) through business development efforts.
• Actively participates in community organizations.
• Maintains a current knowledge of bank regulations. Ensures compliance with all Federal, State and Bank policies, procedures, and regulations.

Qualifications

• Bachelor’s degree from an accredited college
• One to five (typically five to ten for senior analyst) years of experience in credit analysis within a banking/lending environment

Skills

• Knowledge of accounting, financial statement, and cash flow analysis
• Excellent written and verbal communication, presentation, and interpersonal skills
• Excellent organizational skills, with an ability to independently prioritize tasks and multi-task while completing complex transactions
• Strong analytical and problem-solving skills
• Proficient in computers with ability to use standard or specialized computer hardware and software packages, including word processing and spreadsheets in a Windows environment
• Able to consistently interact with clients under varying circumstances while maintaining a professional demeanor
• Effectively communicate with clients over the phone and in person

Benefits

Salary Description: $85,000 - $130,000/year