Senior Credit Analyst/Underwriter

About the role

The Senior Credit Analyst/Underwriter performs financial based analysis and underwriting of credits which is used by the bank to assess risk and monitor existing credits to entities or individuals. This position performs analysis on the largest and most complex loans or relationships with a Region or Industry.

Responsibilities

• Generate financial spreads, or oversee and review spreads prepared by Analyst I or II within the bank lending operating system (nCino) using financial statements to find and review trends. This duty is performed daily, about 20% of the time.
• Create spreadsheets designed to quantify borrower's personal, global, and real estate cash flows/project analysis on an accurate and timely basis. This duty is performed daily, about 20% of the time.
• Create credit memos and annual reviews, as defined in current department procedures. This duty is performed as needed, about 35% of the time.
• Attend loan committee meetings when directed by management. This duty is performed daily, about 10% of the time.
• Provide guidance and assistance in mentoring Analyst I & II as directed by Regional Manager. This duty is performed weekly, about 10% of the time.
• Engage Analyst I or II to assist in tasks related to analysis of the credits or relationships and provide oversight of work product to ensure work product is accurate and delivered within necessary time frame to complete overall analysis. This duty is performed weekly, about 5% of the time.
• Act as back up the Regional Manager or other CA leader in the review of work product performed by other Analyst's on the team. This duty is performed as needed.
• The ability to work in a constant state of alertness and in a safe manner. This duty is performed daily.
• Complete required BSA/AML training and other compliance training as assigned. This duty is performed quarterly.
• Perform any other related duties as required or assigned.

Qualifications

• Broad knowledge of such fields as accounting, marketing, business administration, finance, etc.
• Equivalent to a four year college degree, plus 7 years related experience and/or training, and 4 years related management experience, or equivalent combination of education and experience.

Responsibility for Work of Others

Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities may include but not limited to interviewing, hiring and training employees; planning, assigning and directing work; appraising performance, rewarding and disciplining employees; addressing complaints and resolving problems.

Work Environment

Periodically exposed to such elements as noise, intermittent standing, walking, pushing, carrying, or lifting; but none are present to the extent of being disagreeable.

Physical Activities

• Semi-repetitive, low physical.
• Semi-repetitive type work which requires periods of concentration for varied time cycles as prescribed by the tasks.
• While performing the functions of this job, the employee is frequently required to sit, use hands to finger, handle, or feel, talk or hear; and occasionally required to stand, walk, reach with hands and arms, stoop, kneel, crouch, or crawl.
• The employee must occasionally lift and/or move up to 10 pounds.
• Specific vision abilities required by this job include close vision.