Senior Credit Analyst

Essential Duties & Responsibilities

• Perform detailed financial analysis on business entities and interpret the financial information based on financial statements, tax returns, and company prepared documents.
• Accounting, financing, traditional cash flow, UCA and property operating analysis knowledge.
• Perform credit, personal financial statement, and personal cash flow analysis on individuals and guarantors to determine financial strength and credit enhancements based on financial statements, tax returns, and reports.
• Prepare credit presentations for new approvals, renewals, and annual reviews based upon financial analysis for presentations to loan officers, loan committee, and board.
• Recommend specific loan structures to enhance credit quality.
• Accompany lenders on customer site visits and customer interviews.
• Contributes to team responsibility for insuring satisfactory audit, loan review, and other asset quality metrics.
• Capacity to review and approve loans.
• Acts as a mentor and participates in the ongoing development of the underwriting staff through review of the presentations and provides feedback to the underwriting management team.
• Maintain accurate knowledge of MB credit, practices, and regulatory policies to assist the bank in compliance.
• Ability to manage a heavy workload while balancing several loan underwritings simultaneously.

Job Specifications

• Strong analytical skills with the ability to read and assess individual and company financial statements, tax returns, cash flow, industry and competitive analysis, and projections.
• Excellent organizational skills, attention to detail, and the ability to complete assignments in a timely manner with minimal direction.
• Exceptional written and verbal skills.
• Exceptional problem recognition and resolution skills.
• Ability to work independently and within a team.
• Working knowledge of all commercial products and services.
• Ability to meet deadlines under stressed scenarios.

Experience & Education

• Bachelor’s degree in business administration, finance, accounting, economics, or equivalent work background and experience.
• 7 - 10 years of experience in credit analysis required.