Senior Credit Analyst

Responsibilities

• Spread financial statements, tax returns, and other financial data in a consistent and meaningful manner for submission to Credit Administration
• Interpret financial trends, ratios, and pro forma statements to evaluate performance and assess risk
• Affirm cash flow, collateral, management, and industry of the borrowers and guarantors
• Test loan covenants to ensure compliance with the terms of the credit agreements
• Contact borrowers or their agents regarding loan applications, obtaining financial information, or asking follow-up questions related to new or existing loans
• Research market, industry, and collateral information provided by borrowers or their agents
• Communicate and collaborate with internal and external customers in a professional and timely manner
• Ability to appropriately use all banking principles, terminology, and credit risk fundamentals in their daily tasks
• Comply with all applicable Banking compliance rules and regulations established by both internal departments and external agencies

Requirements

• Analytical Skills – ability to analyze and solve problems; strong critical thinking skills
• Judgement – ability to exercise independent, sound, and accurate judgment in decision making; exercise personal and professional responsibility while working with limited direction
• Planning and Organizing – strong organizational and time management skills; can adapt to changes in the work environment and manage competing demands
• Productivity – meet productivity standards by using time efficiently; prioritize and plan work activities; sense of urgency around deadlines and commitments
• Discretion – maintain confidentiality of sensitive information
• Quality – demonstrate accuracy and thoroughness; commitment to excellence and high standards
• Quantity – strive to increase productivity, complete work in a timely manner and consistently meet productivity standards
• Reliability – complete tasks on time or notify appropriate person with an alternate plan
• Teamwork – maintain a positive working relationship with your team members; listen, get clarification, and respond well to questions
• Customer Service – respond to requests for service and assistance; meet commitments made to internal and external customers
• Leadership & Mentorship – Ability to train, coach, and develop other analysts

Qualifications

• A high school diploma or GED required
• A minimum of two semesters of college-level courses in finance, accounting or similar field preferred
• A minimum three years’ experience in a credit-related field with a strong understanding of the differences between cash, accrual, and tax accounting required
• Proficiency in Microsoft Excel or comparable spreadsheet software and Microsoft Word or comparable word processing software
• Experience with a loan origination system such as Abrigo or similar (e.g. CreditQuest, nCino, Moodys) preferred

Pay

Pay Range (Hourly): $32.00 - $36.00/hour