Senior Credit Analyst

Summary:

The Senior Credit Analyst will be responsible for performing a variety of duties to assist in the management of the bank's loan portfolio. They will be responsible for soundly applying the bank's credit culture and credit policies and would be considered a policy expert. This individual would use independent judgement and critical thinking in the compilation of key financial data for the accurate representation of credit risk in loan requests including global cash flow analysis, industry analysis, management analysis, and overall repayment capacity as well as various other duties as required.

Qualifications:

Bachelor's degree in finance is preferred from a four-year college or university and at least 4 years related experience and/or training; or equivalent combination of education and experience. To perform this job successfully, an individual must be able to perform each essential function satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. The ideal candidate would have strong Microsoft Excel skills and knowledge of the Microsoft suite of products. Experience with IBM Business Analytics is a plus. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Essential Functions:

Job Specific:

Independently complete underwriting in accordance with current regulations, compliance terms, bank policy, and legal requirements. Recommend appropriate risk grade, supporting the grade with risks, mitigants, and strengths Considered a valuable resource for the credit write-up/template and tax return analysis Proactively assist the Commercial Lenders in portfolio management functions including seeking out and assisting in the annual review process, loan review preparation, and in regulatory examinations; may manage said processes and examinations Spread financial statements and tax returns and analyze historical performance, review proformas for reasonableness Analyze appropriate loan covenants to provide advance warning of potential credit risk and mitigate losses; analyze proper loan structures Assist in the training of junior analysts as needed; may manage a small group of other credit analysts or related positions Review and analyze appraisals for market, credit, construction, and economic risks Understand more complicated loan documents; assist Commercial Lenders in working with outside legal counsel to prepare and assist in the execution of loan documentation Use independent judgment and critical thinking in the compilation of key financial data for the accurate representation of credit risk in loan requests including global cash flow analysis, collateral analysis, industry analysis, management analysis, and overall repayment capacity Participate in customer meetings; independently inspect properties; prepare customer communication on behalf of the Commercial Lender; work with customers in obtaining updated financial statements Assist Commercial Lenders with presenting loan requests to approvers, Senior Lenders, and Loan Committee as needed; attend and participate in other meetings; may present credit requests on behalf of Commercial Lenders Obtain, analyze, and incorporate third-party borrower information (e.g., credit reports); research inconsistencies Maintain data integrity Prepare pertinent reports, track financial information and receipt thereof Work with the Commercial Lender on classified assets and reporting thereof Maintain awareness of and adherence to Bank's compliance requirements and risk management concepts, expectations, policies and procedures and apply them to daily tasks. Other duties as assigned.

Knowledge/Skills/Abilities:

Ability to communicate effectively and clearly, both in verbal and written communications. Excellent interpersonal skills. Strong knowledge of the business area that is being supported including having knowledge of Microsoft excel spreadsheets, Microsoft word, and the entire Microsoft suite of products. Self-directed and motivated. Ability to manage multiple tasks including interpreting a variety of instructions furnished in written, oral, diagram, or schedule form. Excellent problem-solving skills including ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to prepare, read, analyze and comprehend bank policies, professional journals, and government regulations. Ability to write routine reports and business correspondence. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages.

Pay:

$75,000.00 - $125,000.00 per year

Benefits:

401(k) Health savings account Life insurance Paid time off

Work Location:

In person