Sr. Commercial Credit Analyst II

Job Responsibilities

• Credits Analysis and Development
• Develops and analyzes credit information for use by lending and credit officers or committees in the making of lending decisions on new, renewal, or extension loans.
• Credit Analysis
• Reviews all pertinent credit and financial information.
• Analyzes financial statements.
• Prepares credit analysis memorandums to determine credit-worthiness of commercial loan applicants.
• Exercises conservative judgement in approving Commercial Credit transactions or making recommendations for approval of these transactions to higher authorities.
• Loan Officer Support
• Works directly with lending, business development and credit officers in structuring complex commercial borrowing transactions.
• Reviews Precision Lender reports to ensure that transactions meet required minimum return on equity and return on asset standards.
• Annual File Reviews
• Performs portfolio maintenance responsibilities such as the preparation of annual credit file reviews.
• Team Development
• Supervises and provides training to credit analysts.

Job Requirements

• A Bachelor’s degree in Business Administration, Accounting, Finance, or other related field required.
• Minimum of 7 years experience as a Senior Commercial Credit Analyst required.
• Current or prior lending authority required.
• Working knowledge and understanding of commercial loan products, policies, procedures and federal regulations.
• Strong aptitude for figures and accuracy.
• Proven problem solving, decision making, underwriting and analytical skills.
• Demonstrated knowledge of applied accounting and finance concepts as well as proficiency in performing detailed financial analyses.
• Ability to work independently, effectively, and efficiently under time constraints.
• Ability to prioritize and manage multiple assignments with good organizational and time management skills.
• Excellent written and verbal communication skills.
• Demonstrated proficiency with computer software including MS Office applications and other specialized credit analysis and lending software.
• Integrity, initiative, and a proven work ethic.

Benefits

• Medical, Dental, Vision and Rx which are contributory.
• Bonus programs.
• Employee Stock Option Program (ESOP).
• Life Insurance, Long Term Disability and Accidental Death and Dismemberment (LTD&AD&D).
• Paid Time Off (PTO) which includes Personal and Vacation Time.
• Paid Sick Time.
• Bank Holidays.
• Employees may participate in the 401k program.

Schedule

This role is eligible for a hybrid schedule: 3 days in the office and 2 days work from home, based on business needs. This arrangement may change without notice.