Senior Credit Analyst

About the role

The role of the Credit Analyst is to provide basic credit analysis in support of the lending function across the Bank including, but not limited to, spreading of financial statements, tax analysis, compliance monitoring, and tickler monitoring.

Responsibilities

• Complies with, and stays abreast of, all policies and procedures, federal and state laws applicable to the job.
• Reviews all incoming requests for the Credit Management Division pursuant to submitted spread or covenant compliance request for completeness.
• Assigns daily spread and covenant compliance requests to the Credit Analyst team.
• Analyzes and spreads complex business financial statements and/or tax returns using Moody’s Credit Lens.
• Compute complex covenant compliance measurements and processes Annual Term Loan Reviews as required by Business Loan Agreement or Guaranty.
• Prepares the monthly Marketable Securities Report and assists with the Month End Delinquency reports for the Board meeting.
• Uses Excel or other spreadsheet programs to complete complex personal cash flows from tax returns, personal finance statements, credit reports, and other financial information.
• Reviews business loan documentation in order to complete covenant compliance and Annual Term Loan Reviews.
• Discusses spread and covenant compliance requests and financial information with Credit Administrators, Center, and Department personnel.
• Prepares accurate, clear, and concise preliminary analysis of financial information presented, and formulates questions for review by Credit Officers and/or Credit Administrators.
• Provides high level administrative support to the Credit Management Department on an as needed basis under the direction or the Chief Credit Officer or the Deputy Chief Credit Officer.
• Provide, present, and promote the Citizens Experience to all external and internal customers.
• Other duties as assigned.

Qualifications

• Bachelor's degree (B. A.) from four-year college or university; or three to five years related experience and/or training; or equivalent combination of education and experience.
• Specific college-level courses in Accounting are considered necessary to the job, including Introductory Accounting and Intermediate Accounting coursework.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.