Senior Commercial Credit Analyst

Major Duties and Responsibilities

• Completes a thorough, in-depth analysis of new commercial credit requests, credit change requests, renewals and annual relationship reviews.
• Recommends risk rating including changes when analysis merits.
• Produces a concise written analysis narrative for presentation to Lenders, Executive Management, Loan Committee and/or Board of Directors.
• Spreads financial statements (personal, business and corporate) regularly to assist lenders in analyzing credit requests.
• Conducts appropriate credit analysis of financial information and performs comparative analysis on companies with similar financial statements.
• Promptly reports findings to Credit Manager that may have an adverse effect on the loan collateral or the Borrower's ability to repay the loan.
• Navigates LoanVantage and other Bank systems efficiently, manages pipeline, attends MLC meetings as needed and serves as a resource for Credit Analysts, Credit Administration, and Commercial Closing Administrators.
• Reviews loan presentations prepared by other credit analysts for adherence to underwriting standards for new and existing loans reviewed.
• Affords assistance with projects that will consist primarily of credit administration items and may relate to possible changes in policies and/or procedure, possible changes as a result of examiner or auditor recommendations, peer group analysis, market studies, changes in compliance and regulations, software upgrades, monitoring of industry or borrower concentrations, risk assessments, and feasibility studies for efficiency gains such as out-sourcing, in-sourcing, centralization of duties/staff, etc.