Senior credit analyst

Responsibilities:

Assist the Chief Credit Officer with various aspects of the Bank’s credit administration and lending functions. Independently underwrite and analyze new and existing commercial credit relationships, including the preparation of comprehensive credit presentations. Ability to analyze personal and corporate tax returns along with financial statements to compile a comprehensive analysis for lending decisions. Ability to identify key credit risks, trends, and weaknesses within the credit relationship. Assist in ongoing covenant and financial monitoring. Work closely with Commercial Loan Officers in gathering financials and documentation imperative in making a sound credit decision. Prepare and assemble various monthly, quarterly and other credit related reports for management as needed. Maintain a thorough working knowledge of the Bank’s lending policies, procedures and underwriting standards and appropriately identify and document exceptions to policy. Maintain a high level of accuracy and attention to detail in every task performed. Effectively manage multiple assignments, prioritize workload, and consistently meet established underwriting and reporting deadlines.

Requirements

Bachelor’s degree in Finance, Accounting, or related degree (or equivalent commercial underwriting experience may be considered). Minimum 5 years of experience of Commercial Credit Underwriting (required). Proficient in Microsoft Office applications. Experience with commercial credit spreading/underwriting software preferred.