The primary focus of a Senior Commercial Credit Analyst is providing written presentation of interpreting and analyzing business and personal financial statements, tax returns, credit reports and other information pertinent to the evaluation of a commercial loan request to a Commercial Loan Officer and/or the Commercial Lending Committee. Additionally, the Senior Commercial Credit Analyst completes annual credit reviews and property inspections.

• Interpret and analyze business and personal financial statements, tax returns, credit reports and other information pertinent to the evaluation of a commercial loan request.
• Determine profitability, net worth, and ability for repayment, creating cash flow analysis for all borrowers and guarantors.
• Generate financial ratios to evaluate members' current financial status, trends and comparison to industry averages.
• Assess collateral values and credit risk associated with commercial loan requests. Perform asset verifications and property inspections as needed.
• Provide written presentation of the credit request along with risk rating to the Commercial Loan Officer and or the Commercial Lending Committee.
• Perform analysis for annual credit reviews to identify continued creditworthiness.
• Identify strengths and weaknesses of a business borrower to effectively manage credit exposure.
• Strong understanding of the core systems and all commercial lending software systems.
• Knowledgeable of NCUA and Iowa Code guidelines for business lending, as well as all credit union policies and procedures.
• Possess a general understanding of appraisals and valuations to assist in collateral analysis.
• Monitor the training needs of Credit Analysts, providing performance feedback as necessary.