Senior Credit Analyst - C&I

ConnectOne Bank proves that putting people first is a better way to do business. At ConnectOne, we’re builders—of businesses, communities, and equity. Our mission is to ensure our employees feel empowered to make decisions, reach their potential, and truly make an impact. As a growth organization by design, we take pride in seeing our employees grow with us. Founded in 2005 by an entrepreneur, we have evolved into a high-performing commercial bank, embracing technology to support small business owners and fuel their missions. "People First" is the blueprint for our culture and the foundation of everything we do.

About the role

The Senior Credit Analyst is responsible for the written analysis and underwriting of the creditworthiness of new loan proposals as well as existing loans. This role identifies credit policy exceptions and other credit issues to protect the asset quality of the Bank’s commercial loans.

Responsibilities

• Support the Bank’s “People First” focus and rules of engagement—maintaining a professional demeanor, working as an active team member, and providing excellent service.
• Prepare credit analyses for loan requests, including financial statement analysis, collateral analysis (including third-party reports), risk rating recommendations, trend analysis, and identifying strengths and weaknesses.
• Prepare written recommendations on whether proposed loans should be approved or suggest alternate loan structures as appropriate.
• Prepare financial statement spreadsheets measuring various financial ratio trends to evaluate financial status.
• Assist Commercial Loan Officers and Portfolio Managers with annual loan reviews.
• Mentor and guide Credit Analysts and Junior Credit Analysts.
• Assist in the annual financial statement follow-up with borrowers; track and monitor the Bank’s receipt of this information.
• Order flood searches as appropriate.

Requirements

• Strong “People First” interest and ability.
• Knowledge of relevant Federal and State banking regulations.
• Working knowledge of basic accounting principles and credit concepts.
• Credit training.
• C&I credit experience.
• Basic knowledge of loan types and loan structures.

Qualifications

Working knowledge of the nCino platform is preferred.

Benefits

• World-class health, vision, and dental benefits (effective day one).
• 401k with employer match.
• Hybrid work-from-home options (depending on role).
• Employee appreciation events (team-building activities, softball games, food truck days, etc.).
• Employee Assistance Programs (EAP).
• Wellness programs (flu shots, preventive care, health program discounts, etc.).
• Tuition reimbursement.
• Employee discount perks.
• Community service events.

Pay

$110,000–$125,000