Sr. Credit Analyst

Robert Half Management Resources is looking for an experienced Sr. Credit Analyst to join one of our clients on an interim basis. In this role, you will contribute to commercial lending decisions by evaluating borrower financials, preparing clear credit recommendations, and monitoring portfolio health. This position offers the opportunity to support both new and existing loan activity while partnering closely with relationship managers, underwriting teams, and credit leadership.

Responsibilities:

• Develop detailed credit memos and lending recommendations for new requests, renewals, and modifications.
• Analyze financial statements by completing spreads, cash flow reviews, ratio analysis, and covenant testing to support credit decisions.
• Track the performance of assigned borrowing relationships and flag developing risks, exceptions, or adverse trends.
• Review collateral, industry conditions, and borrower operating results to form balanced assessments of repayment capacity.
• Maintain ongoing portfolio oversight through periodic reviews, covenant compliance monitoring, and credit file updates.
• Collaborate with lenders, portfolio partners, and credit approvers to deliver accurate and timely documentation for commercial loan activity.
• Ensure loan packages and supporting records align with internal credit standards and applicable regulatory expectations.
• Use credit analysis platforms and reporting tools, such as Abrigo, Experian, or comparable systems, to support underwriting and portfolio management activities.