Senior Credit Analyst

Job Description Senior Credit Analyst Position Overview:

We are seeking a Senior Credit Analyst to support commercial lending activities through detailed financial analysis, credit underwriting, and risk assessment. This individual will play a key role in evaluating complex credit opportunities, partnering closely with Relationship Managers, and contributing to sound credit decisions that align with the bank's risk appetite and growth strategy.

Key Responsibilities:

Analyze financial statements, tax returns, and cash flow to assess borrower creditworthiness Underwrite commercial loans across C&I, CRE, and/or SBA portfolios Prepare comprehensive credit memos and present recommendations to credit leadership or loan committees Perform global cash flow analysis, debt service coverage, and sensitivity analysis Partner with Relationship Managers to structure deals and identify potential risks and mitigants Monitor existing loan portfolios, including annual reviews, renewals, and covenant compliance Identify trends or emerging risks within the portfolio and provide proactive recommendations Mentor junior analysts and assist in training or review of credit work as needed Ensure compliance with internal policies, regulatory standards, and credit guidelines

Qualifications:

Bachelor's degree in Finance, Accounting, Economics, or related field 3-5+ years of credit analysis experience within a commercial banking environment Strong understanding of commercial lending (C&I, CRE, and/or SBA) Advanced financial analysis and modeling skills Experience writing and presenting detailed credit memos Ability to assess complex transactions and structure credit facilities Strong communication and interpersonal skills High attention to detail and ability to manage multiple priorities

Preferred Qualifications:

Experience working with middle-market or commercial clients Prior exposure to loan committees or credit approval processes Leadership or mentoring experience Familiarity with risk rating systems and regulatory expectations

Why Join Us:

Collaborative and team-oriented credit culture Opportunity to work on complex and meaningful transactions Clear path for growth within credit or lending