Senior Credit Analyst - CRE

Pay

Salary range: $82,400 – $123,600 per year (USD).

Responsibilities

• Provide due‑diligence, analytical, and underwriting support to Relationship and Portfolio Managers.
• Gather and analyze credit information on current and prospective borrowers across diversified asset classes.
• Determine advisability of granting credit and assist in writing loan request narratives and ongoing portfolio maintenance, including covenant compliance monitoring.
• Promote business by maintaining client relationships and referring clients to appropriate staff for additional services.
• Independently interact with clients and prospects to perform due‑diligence, prepare credit submissions, communicate with regional credit authorities, and present credit requests for approval.
• Mentor and train junior credit analysts within the division.
• Assist Commercial Real Estate (CRE) teams with pre‑qualification assessments, financial spreads, and risk analysis of financing requests.
• Gather data from clients, internal sources, and external sources; prepare spreadsheets; analyze financial statements and tax returns; and contact clients for clarification.
• Compile credit bureau data, conduct industry peer comparisons, and perform cash‑flow analyses.
• Notify lending officers when up‑to‑date financial statements are needed and ensure credit inquiries and UCC filings are researched for creditworthiness and collateral positioning.
• Document and maintain portfolio management responsibilities in accordance with management expectations.
• Support review and renewal of credit facilities and, when authorized, take primary responsibility for certain credit actions (approvals, renewals).
• Develop knowledge of relevant industries and economic conditions (interest rates, asset values, competition, market trends) that affect risk.
• Represent the bank in community, civic, and community‑reinvestment activities to enhance the bank’s image and generate business.
• Model superior client service, uphold organizational values, and ensure compliance with all bank policies, procedures, and applicable federal and state banking regulations (including BSA, USA PATRIOT Act, OFAC).
• Complete administrative tasks accurately and on time.

Requirements

• Bachelor’s degree or an approved equivalent combination of education and experience.
• Minimum five years of experience in commercial credit analysis and full‑project underwriting (senior‑scoped role preferred).
• Experience in commercial financial analysis, homebuilder finance, or commercial lending.
• Ability to analyze and interpret business periodicals, professional journals, and technical procedures.
• Strong verbal, written, and interpersonal communication skills; ability to write reports and present information to diverse audiences.
• Experience with the nCino Commercial Loan Origination System is desired.
• Proficiency in Microsoft Office suite (Word, Excel, PowerPoint).
• Strong typing, math, organizational, and time‑management skills.
• Ability to work with minimal supervision and solve non‑standard problems using common sense.

Skills

• Underwriting complex and sophisticated commercial real‑estate projects, including ground‑up construction, land development, and homebuilder finance.
• Corporate and personal financial statement and tax‑return analysis.
• Financial modeling, cash‑flow analysis, and industry peer benchmarking.
• Use of credit bureaus, UCC filing research, and collateral assessment.
• Effective presentation of credit merits to approval committees.
• Mentoring and training junior analysts.
• Compliance with banking regulations (BSA, USA PATRIOT Act, OFAC).

Benefits

• Paid time off for vacation, sick days, and holidays
• Health insurance
• Stock options
• Bonus programs
• 401(k) plan
• Paid parental leave
• Life and AD&D insurance
• Long‑term disability
• Tuition reimbursement
• Employee assistance programs
• Pre‑tax health and dependent‑care spending plans