Recruiter

About the position

The Senior Credit Analyst is responsible for the analysis of all relevant credit and financial data of medium-to-complex commercial borrowers. This data is used in evaluating the creditworthiness of current and potential borrowers and in producing a comprehensive and objective credit analysis in order to assist management in the loan decision making process.

Responsibilities

• Prepares objective, written analyses of moderate to more complex lending relationships to be used by loan officers and senior management in the loan decision making process.
• Works independently and demonstrates the ability to recognize and assess pertinent risks and identify the impact that non-financial and external factors may have on the borrower's ability to meet its obligations.
• Makes a recommendation to Loan Officers and Executive Committee for approval or denial and credit risk rating.
• Analyzes financial statements and cash flow of moderately complex borrowers and guarantors to determine profitability, capital adequacy, liquidity, asset quality, and the ability to repay existing and proposed obligations.
• Understands and remains current on bank credit policies and accurately identifies policy exceptions during the loan underwriting process.
• Evaluates appropriateness of proposed loan structure on new deals.
• Performs outside research as necessary on industries, real estate records, borrowers and guarantors.
• Monitors loan covenant compliance on existing loan relationships.
• Gathers and assimilates appropriate data for each credit analysis and determines the need to request additional information.
• Completes assignments in a timely fashion, meeting applicable deadlines and displaying the ability to work independently with minimal supervision while producing an accurate work product.
• Assists with training and development of less-experienced staff and new analysts.
• Illustrates a willingness to take on additional assignments as necessary within the department.
• Maintains a high productivity level yet produces thorough and accurate work, minimizing errors.
• Assumes additional responsibilities as requested.

Requirements

• Bachelors of Science Degree in Finance, Accounting, or Business Administration or relevant work experience preferred.
• Minimum of three years of previous Commercial Credit Analyst experience required with demonstrated ability to work on the Bank's largest and most complicated credit requests.
• Proficient in Microsoft Word, Microsoft Excel, and financial statement spreading software.
• Strong personal organization skills.
• Excellent written and verbal communication skills.
• Strong critical thinking skills.
• Analytical experience with Commercial & Industrial Loans and Commercial Real Estate loans.