Sr. Credit Analyst

Description 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. Requirements
• At least 3 years of experience in credit analysis or portfolio management within commercial banking or business banking.
• Demonstrated ability to prepare credit presentations, loan narratives, and formal underwriting documentation.
• Strong background in financial statement analysis, credit spreading, cash flow evaluation, and covenant measurement.
• Working knowledge of commercial loan structures, risk identification, and credit policy application.
• Experience supporting commercial lending products, which may include construction financing, loan renewals, or SBA-related transactions.
• Proficiency with credit and financial analysis systems, with Abrigo, Experian, or similar platforms preferred.
• Effective written and verbal communication skills with the ability to present findings clearly to internal stakeholders.

Robert Half is the world's first and largest specialized talent solutions firm that connects highly qualified job seekers to opportunities at great companies. We offer contract, temporary and permanent placement solutions for finance and accounting, technology, marketing and creative, legal, and administrative and customer support roles. Robert Half works to put you in the best position to succeed. We provide access to top jobs, competitive compensation and benefits, and free online training. Stay on top of every opportunity - whenever you choose - even on the go. Download the Robert Half app (https://www.roberthalf.com/us/en/mobile-app) and get 1-tap apply, notifications of AI-matched jobs, and much more. All applicants applying for U.S. job openings must be legally authorized to work in the United States. Benefits are available to contract/temporary professionals, including medical, vision, dental, and life and disability insurance. Hired contract/temporary professionals are also eligible to enroll in our company 401(k) plan. Visit roberthalf.gobenefits.net for more information. © 2025 Robert Half. An Equal Opportunity Employer. M/F/Disability/Veterans. By clicking "," you're agreeing to Robert Half's Terms of Use (https://www.roberthalf.com/us/en/terms) and Privacy Notice (https://www.roberthalf.com/us/en/privacy) .