What are the responsibilities and job description for the Senior Credit Analyst position at New Edge Associates a Talent Acquisition Firm?
This role is ideal for a credit professional with strong analytical skills, sound credit judgment, and hands-on experience underwriting complex commercial relationships within a banking environment.
The ideal candidate will bring a strong background in C&I lending, while also maintaining exposure to CRE and multifamily transactions. This is a highly visible role working closely with Relationship Managers, Portfolio Managers, and senior lending leadership to structure, analyze, and support commercial loan opportunities.
Key Responsibilities
- Underwrite and analyze new and existing commercial credit requests with a strong focus on Commercial & Industrial lending
- Evaluate borrower financial performance, cash flow, leverage, collateral, guarantor strength, and overall credit risk
- Prepare detailed credit presentations, financial spreads, projections, covenant analysis, and sensitivity testing
- Analyze supporting due diligence materials including appraisals, environmental reports, inspections, borrowing base certificates, and third-party reviews
- Partner closely with Relationship Managers and Portfolio Managers to gather required information and recommend appropriate deal structures
- Manage multiple credit requests simultaneously while maintaining strong turnaround times and service levels
- Conduct annual reviews and ongoing monitoring of existing commercial relationships
- Identify policy exceptions and ensure proper approval and documentation processes are followed
- Monitor and test loan covenants and borrower performance trends
- Participate in client meetings and joint calling efforts when needed
- Assist with mentoring junior analysts and contribute to cross-training initiatives within the department
- Maintain strong knowledge of regulatory requirements, lending policy, and credit risk standards
Qualifications
- Bachelor’s Degree in Finance, Accounting, or related field
- Minimum 5 years of recent commercial credit underwriting experience within a banking environment
- Strong experience underwriting Commercial & Industrial (C&I) transactions is required
- Experience with Commercial Real Estate and Multifamily lending preferred
- Ability to analyze complex borrower structures and interpret financial statements with accuracy
- Strong written and verbal communication skills
- Excellent organizational skills with the ability to prioritize multiple transactions in a fast-paced environment
- Proficiency with financial spreading and credit analysis tools
- Candidates must be comfortable presenting sample C&I and CRE transactions during the interview process
- Evidence of academic preparation or related coursework may be required
Salary : $110,000 - $125,000