The Senior Credit Analyst position at Stellar Bank is a pivotal role responsible for gathering and analyzing credit information on both current and potential borrowers. This role involves determining the advisability of granting credit for a diverse range of loans, assisting loan officers in writing loan requests, and promoting business for the bank by maintaining strong customer relations. The Senior Credit Analyst ensures compliance with all bank policies and procedures, as well as applicable state and federal banking regulations, thereby playing a crucial part in the bank's operational integrity. In this role, the Senior Credit Analyst will assist loan officers in performing pre-qualification assessments and analyzing the financial condition and risk of financing requests. This includes gathering data from customers and various sources, preparing spreadsheets, and analyzing financial information such as financial statements and tax returns. The analyst will compile data from credit bureaus, conduct industry peer comparisons, and perform cash flow analyses to provide comprehensive insights into the creditworthiness of borrowers. The position also requires writing financial reviews and reports, making recommendations on loan structures and terms, and coordinating the processing of approved loans. The Senior Credit Analyst will ensure that loans are processed according to agreements and customer needs while conforming to bank lending policies. Additionally, the analyst will track and monitor credit exceptions, prepare write-ups for committee loan packages, and perform loan pricing analysis. This role is essential in reinforcing superior customer service and supporting the bank's goals and values through various community and civic functions.