Senior Credit Analyst

Overview

The Senior Credit Analyst is responsible for evaluating commercial credit opportunities and providing analytical support to lending teams through comprehensive financial analysis, risk assessment, and credit underwriting. This role serves as a subject matter expert within the Credit Department, handling complex credit relationships while delivering sound credit recommendations that support the bank's growth objectives and risk management standards.

The Senior Credit Analyst also works closely with Commercial Lenders, Credit Administration, and leadership to assess borrower financial performance, identify key credit risks, and facilitate informed lending decisions. In addition to managing more complex credit relationships, this position serves as a mentor and resource to Credit Analysts, promoting consistency, efficiency, and quality within the credit underwriting process.

Key Responsibilities

Credit Analysis & Underwriting

• Analyze commercial loan requests through detailed evaluation of borrower financial statements, tax returns, cash flow, collateral, and repayment capacity.
• Assess the financial condition, operating performance, and risk profile of commercial borrowers and guarantors.
• Identify trends, strengths, weaknesses, and emerging risks impacting a borrower's financial performance.
• Complete accurate and comprehensive credit presentations, loan approval packages, annual reviews and renewals.
• Ensure compliance with bank policies, procedures, regulatory requirements, and credit administration standards.
• Meet established service level expectations and underwriting deadlines.

Commercial Lending Partnership

• Serve as a trusted advisor to commercial lenders and credit leadership by providing timely and accurate financial analysis and risk-based recommendations.
• Effectively communicate financial results, credit risks, and mitigating factors to support sound lending decisions.
• Assist lenders in understanding industry-specific financial considerations, operating trends, and market conditions affecting borrower performance.
• Maintain strong working relationships with lending teams and other key stakeholders across the organization.

Portfolio Management & Risk Assessment

• Monitor existing credit relationships for changes in financial performance, industry conditions, collateral values, and other risk factors.
• Ensure risk ratings accurately reflect the current condition of borrowing relationships.
• Support ongoing credit quality initiatives and portfolio monitoring activities.

Required Competencies

Technical & Analytical

• Advanced financial statement analysis
• Commercial credit underwriting
• Cash flow analysis and debt service evaluation
• Risk assessment and problem solving
• Commercial loan structuring
• Critical thinking and problem-solving
• Attention to detail and accuracy

Communication & Relationship Management

• Strong written and verbal communication skills
• Ability to communicate complex financial concepts to diverse audiences
• Professional judgment and decision-making
• Collaboration and partnership-building
• Effective presentation and consultation skills

Leadership & Professional Development

• Initiative and accountability
• Intellectual curiosity and continuous learning
• Organizational and time management abilities
• Adaptability and process improvement mindset

Technology

• Proficiency in Microsoft Office Suite, including advanced Microsoft Excel skills.
• Experience using credit analysis software, financial spreading tools, and loan origination systems.
• Ability to leverage technology and reporting tools to enhance analytical effectiveness and operational efficiency.

Education & Experience

• Bachelor's degree in Finance, Accounting, Economics, or a related field required.
• Minimum of five (5) to seven (7) years of experience in commercial credit analysis, commercial lending, commercial banking, or a related financial services role.
• Demonstrated experience analyzing complex commercial credit relationships across a variety of industries.
• Strong understanding of financial statement analysis, cash flow modeling, credit risk assessment, and commercial loan structures.

Bonus Points

• Bilingual/Multilingual

What we can offer you: Medical, dental, vision, STD, LTD, Life insurance, etc.

• 17 days paid time off, 11 paid holidays, and bereavement leave
• Education Assistance Program
• Paid Parental Bonding Leave

Wellness benefits

• Life event coverage
• Service awards
• Financial benefits including 401(k) match, stock purchase plan and more
• Great deals on both national and local discounts on everything from computers and vacations to phones and retail shopping
• Logo wear discounts
• Free checking account, checks and discounted bank services