Senior Credit Analyst

About the role

This position is responsible for analyzing and monitoring the financial condition and credit worthiness of individuals and businesses applying for credit by using historical financial analysis and cash flow projections.

Responsibilities

• Analyzes all relevant loan data on new, renewal, and existing loans, including data provided by credit bureaus, other financial institutions, and First United’s files.
• Prepares thorough and concise memos, spreadsheets, reports, summaries, and opinions for Loan Officers on new, renewal, and existing loans within established deadlines.
• Effectively manages the bank’s exposure to identified risks and recommends appropriate structure for transactions in accordance with First United’s credit policy.
• Oversees and manages financial information files to assure current reports, statements, accounts receivable, and other information on customer accounts, and notifies Loan Officers of any potential problems in a timely manner.
• Establishes, reviews, and updates new and existing loan files for the Bank on a regular basis.
• Provides technical advice and assistance to Loan Officers.
• Performs credit inquiries.
• Effectively communicates with Customers, Loan Officers, and Bank Management in a clear, accurate, and concise manner.
• Generates solutions to problems and suggests alternative solutions when necessary.
• Performs as a top contributor in Bank-wide projects and initiates or leads such projects.
• Focuses on memos for relationships ranging from $2,000,000 and greater.
• Delivers the bank’s top volumes in loan activity through new originations or management of the existing portfolio.
• Creates and maintains solid working relationships with Loan Officers and other team members.
• Assists in training and development of Credit Analyst I & II.
• Adheres to all company policies, core values, and procedures.
• Dresses professionally.
• Performs other duties as assigned.

Requirements

• Bachelor’s degree in Finance, Accounting, or related field.
• Minimum 5 years of credit analysis experience.
• Possesses specific area of underwriting expertise in one or more areas of lending (e.g., CRE or C&I underwriting).

Skills

• Excellent financial analytical abilities, with knowledge of financial ratios.
• Advanced proficiency in Excel.
• Ability to structure and underwrite larger, more complex transactions.
• Outstanding interpersonal, technical, problem-solving, and written communication skills needed for preparation of credit memos and analysis of financial statements.
• Demonstrates initiative, judgment/discernment, and self-motivation to work with minimal supervision.
• Demonstrates resourcefulness and concern for quality by understanding systems and processes and suggesting changes when necessary to increase overall efficiency.
• Demonstrates dependability through good attendance and adherence to timelines and schedules.
• Genuine interest in learning and working in the banking profession.

Location: Dallas-Uptown